<SEC-DOCUMENT>0000950123-23-009285.txt : 20231102
<SEC-HEADER>0000950123-23-009285.hdr.sgml : 20231102
<ACCEPTANCE-DATETIME>20231102103109
ACCESSION NUMBER:		0000950123-23-009285
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231102
DATE AS OF CHANGE:		20231102
EFFECTIVENESS DATE:		20231102

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			M&T BANK CORP
		CENTRAL INDEX KEY:			0000036270
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				160968385
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00267
		FILM NUMBER:		231370572

	BUSINESS ADDRESS:	
		STREET 1:		C/O CORPORATE REPORTING
		STREET 2:		ONE M&T PLAZA 5TH FLOOR
		CITY:			BUFFALO
		STATE:			NY
		ZIP:			14203
		BUSINESS PHONE:		7168425390

	MAIL ADDRESS:	
		STREET 1:		C/O CORPORATE REPORTING
		STREET 2:		ONE M&T PLAZA 5TH FLR
		CITY:			BUFFALO
		STATE:			NY
		ZIP:			14203

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST EMPIRE STATE CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xsi:schemaLocation="http://www.sec.gov/edgar/thirteenffiler eis_13F_Filer.xsd" xmlns:ns1="http://www.sec.gov/edgar/common" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sec.gov/edgar/thirteenffiler">
  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0000036270</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2023</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>M&amp;T Bank Corp</name>
        <address>
          <ns1:street1>C/O CORPORATE REPORTING</ns1:street1>
          <ns1:street2>ONE M&amp;T PLAZA 5TH FLR</ns1:street2>
          <ns1:city>BUFFALO</ns1:city>
          <ns1:stateOrCountry>NY</ns1:stateOrCountry>
          <ns1:zipCode>14203</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-00267</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Jeffrey Rogalsky</name>
      <title>Senior Vice President</title>
      <phone>302-636-6785</phone>
      <signature>Jeff Rogalsky</signature>
      <city>Wilmington</city>
      <stateOrCountry>DE</stateOrCountry>
      <signatureDate>10-30-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>8</otherIncludedManagersCount>
      <tableEntryTotal>12537</tableEntryTotal>
      <tableValueTotal>25064426495</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-03980</form13FFileNumber>
            <name>Manufacturers &amp; Traders Trust Company</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>3</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-10909</form13FFileNumber>
            <name>Wilmington Trust Investment Advisors, Inc.</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>7</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-03740</form13FFileNumber>
            <name>Wilmington Trust National Association</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>9</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-03742</form13FFileNumber>
            <name>Wilmington Trust Company</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>13</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-06601</form13FFileNumber>
            <name>Wilmington Funds Management Corp</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>14</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-12629</form13FFileNumber>
            <name>Wilmington Trust Investment Management, LLC</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>15</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-18938</form13FFileNumber>
            <name>Peoples United Advisors, Inc.</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>16</sequenceNumber>
          <otherManager>
            <name>Wilmington Trust Asset Management, LLC</name>
          </otherManager>
        </otherManager2>
      </otherManagers2Info>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>27647.xml
<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
<TEXT>
<XML>
<informationTable xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>5724769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>58769</Sole>
      <Shared>0</Shared>
      <None>2380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>327108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3470</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>325000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>648787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>159809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>51491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>603619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>633</Sole>
      <Shared>0</Shared>
      <None>5815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>4563132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>47873</Sole>
      <Shared>0</Shared>
      <None>868</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>768714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8171</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>16978736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>168045</Sole>
      <Shared>0</Shared>
      <None>13313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>116557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>4D MOLECULAR THERAPEUTICS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35104E100</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>4D MOLECULAR THERAPEUTICS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35104E100</cusip>
    <value>250794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19701</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>4D MOLECULAR THERAPEUTICS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35104E100</cusip>
    <value>251000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19701</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>4D MOLECULAR THERAPEUTICS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35104E100</cusip>
    <value>344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>4D MOLECULAR THERAPEUTICS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35104E100</cusip>
    <value>102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>8X8 INC NEW                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>282914100</cusip>
    <value>290000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>115134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>8X8 INC NEW                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>282914100</cusip>
    <value>290138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>115134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
    <value>6768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
    <value>82632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
    <value>83000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
    <value>853562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14909</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
    <value>1194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
    <value>349978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>13745920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>139795</Sole>
      <Shared>0</Shared>
      <None>2135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>1927024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19695</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>1060000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>2125373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>21945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>574417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>154960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>1055000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10892</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>199705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>22653118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>227835</Sole>
      <Shared>0</Shared>
      <None>6064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>2043192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1633</Sole>
      <Shared>0</Shared>
      <None>19463</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>7440598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>34837</Sole>
      <Shared>0</Shared>
      <None>41989</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>25556391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>224746</Sole>
      <Shared>0</Shared>
      <None>39130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>581972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>002824100</cusip>
    <value>16368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>14445852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>94352</Sole>
      <Shared>0</Shared>
      <None>2561</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>7096896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>47362</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>2565000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>32942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>71251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>4070978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>27311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>901962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>285450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>2496000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16472</Sole>
      <Shared>270</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>161879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>16432971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>110244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>434510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>4832376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>32354</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>28292333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>182539</Sole>
      <Shared>0</Shared>
      <None>7266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>1721531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>832</Sole>
      <Shared>0</Shared>
      <None>10717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>4187394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>24565</Sole>
      <Shared>0</Shared>
      <None>3527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>55506367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>372376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>338212</Sole>
      <Shared>0</Shared>
      <None>34164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>22061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00287Y109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABCAM PLC</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>000380204</cusip>
    <value>821311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>36293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABRDN SILVER ETF TRUST                  </nameOfIssuer>
    <titleOfClass>PHYSCL SILVR SHS    </titleOfClass>
    <cusip>003264108</cusip>
    <value>480476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>347472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4902</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>40147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>80857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>24257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>91</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>208891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2971</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>514002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>6890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>66232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00404A109</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>13222621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42830</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>6962798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>22372</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>4685000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>7064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>28254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>2472236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>672571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>84762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>4008000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>99504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>11785653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>35680</Sole>
      <Shared>0</Shared>
      <None>2696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>3048374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>8941</Sole>
      <Shared>0</Shared>
      <None>985</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>5680307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>13734</Sole>
      <Shared>0</Shared>
      <None>4762</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>13915768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42201</Sole>
      <Shared>0</Shared>
      <None>3111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1296390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1402</Sole>
      <Shared>0</Shared>
      <None>2819</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>890619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2894</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>12312347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>33834</Sole>
      <Shared>0</Shared>
      <None>6257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>778524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>121002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>395399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4185</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>853157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9032</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>647000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>7116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>872632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>235386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>68444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>3669734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>39189</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>2665740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>28471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>2303766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>24564</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>1899285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18044</Sole>
      <Shared>0</Shared>
      <None>2241</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>818405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>8632</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>45411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>2835023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>29185</Sole>
      <Shared>0</Shared>
      <None>1094</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACTIVISION BLIZZARD INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00507V109</cusip>
    <value>3933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>1873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>40874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>41000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>68124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>19586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>255635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1084</Sole>
      <Shared>0</Shared>
      <None>417</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>72059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>423</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUITY BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00508Y102</cusip>
    <value>341</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>ACUSHNET HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>005098108</cusip>
    <value>119000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUSHNET HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>005098108</cusip>
    <value>119234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUSHNET HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>005098108</cusip>
    <value>275861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUSHNET HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>005098108</cusip>
    <value>395838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACUSHNET HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>005098108</cusip>
    <value>863226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00091G104</cusip>
    <value>822908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00091G104</cusip>
    <value>823000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00091G104</cusip>
    <value>3582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00091G104</cusip>
    <value>1655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>12510397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24491</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>7300238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>14114</Sole>
      <Shared>0</Shared>
      <None>203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>4989000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>11218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>2988014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>803093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>260559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>4846000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>37733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>9947639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17712</Sole>
      <Shared>0</Shared>
      <None>1797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>479306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>3841077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>4394</Sole>
      <Shared>0</Shared>
      <None>3139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>22591629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42392</Sole>
      <Shared>0</Shared>
      <None>1914</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>2273135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1240</Sole>
      <Shared>0</Shared>
      <None>3218</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>1791279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2930</Sole>
      <Shared>0</Shared>
      <None>583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>15772227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28313</Sole>
      <Shared>0</Shared>
      <None>2619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADOBE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00724F101</cusip>
    <value>148891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>1138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>34149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>79681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>25612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>38816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>4326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>10828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>969637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>9351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>998000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>103532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>946</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>7012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>54344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>497135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4704</Sole>
      <Shared>0</Shared>
      <None>131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1085779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10312</Sole>
      <Shared>0</Shared>
      <None>248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1060000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>2094238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>562940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>33000</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>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>7197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>3378665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27504</Sole>
      <Shared>0</Shared>
      <None>5356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1571436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>429068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4161</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1974452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16118</Sole>
      <Shared>0</Shared>
      <None>3085</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>10591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>2491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>68923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>69000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>143244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>32552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>128580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>116090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>1993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>37451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>20430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>7583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>8000</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>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>64801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>754</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>4826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>430794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4855</Sole>
      <Shared>0</Shared>
      <None>2019</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>924696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>6469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>13049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>115657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>2900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>169749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>1269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>3678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>60800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>61000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>123120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>39216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>43836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2884</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>331223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19709</Sole>
      <Shared>0</Shared>
      <None>2082</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>136587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1856</Sole>
      <Shared>0</Shared>
      <None>7130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00130H105</cusip>
    <value>928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>2998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>74294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>14989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>33758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>192</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>145614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>3389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFIRM HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00827B106</cusip>
    <value>3403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFIRM HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00827B106</cusip>
    <value>56366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFIRM HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00827B106</cusip>
    <value>12762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFIRM HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00827B106</cusip>
    <value>7955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFIRM HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00827B106</cusip>
    <value>143487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3216</Sole>
      <Shared>0</Shared>
      <None>3530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFIRM HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00827B106</cusip>
    <value>1446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFIRM HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>00827B106</cusip>
    <value>43497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2033</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>1508291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19606</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>8289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>598650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>155419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>1408900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14731</Sole>
      <Shared>0</Shared>
      <None>3626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>45135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>9210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001055102</cusip>
    <value>4429550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>56455</Sole>
      <Shared>0</Shared>
      <None>1259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>2129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>42581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>99947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>29570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>35721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>102194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>417</Sole>
      <Shared>0</Shared>
      <None>447</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGCO CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>001084102</cusip>
    <value>355</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>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>549036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3943</Sole>
      <Shared>0</Shared>
      <None>967</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>415635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3081</Sole>
      <Shared>0</Shared>
      <None>636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>212000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>418207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>105111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>160000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>831605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>7137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>291403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>1419667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>176</Sole>
      <Shared>0</Shared>
      <None>12520</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>882931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6133</Sole>
      <Shared>0</Shared>
      <None>1763</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>68338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>1454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>1292080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10211</Sole>
      <Shared>0</Shared>
      <None>1344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>75143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>672</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00846U101</cusip>
    <value>1231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILYSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00847J105</cusip>
    <value>2448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILYSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00847J105</cusip>
    <value>939009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILYSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00847J105</cusip>
    <value>939000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILYSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00847J105</cusip>
    <value>5756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNC INVT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00123Q104</cusip>
    <value>4257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>388</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNC INVT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00123Q104</cusip>
    <value>79154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNC INVT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00123Q104</cusip>
    <value>21618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNC INVT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00123Q104</cusip>
    <value>4717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNC INVT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00123Q104</cusip>
    <value>106360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4407</Sole>
      <Shared>0</Shared>
      <None>6860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNC INVT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00123Q104</cusip>
    <value>850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNC INVT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00123Q104</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNICO EAGLE MINES LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008474108</cusip>
    <value>13362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNICO EAGLE MINES LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008474108</cusip>
    <value>165393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGNICO EAGLE MINES LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008474108</cusip>
    <value>102353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>90759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>59659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>58002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>13534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>93000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>92582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>284707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4359</Sole>
      <Shared>0</Shared>
      <None>795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>7347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>271891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>392646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7103</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008492100</cusip>
    <value>452526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>39449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>28966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>57145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>15764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>14542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>115385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2916</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>13202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR LEASE CORP                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>00912X302</cusip>
    <value>1577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>6507431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21382</Sole>
      <Shared>0</Shared>
      <None>1580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>5679053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19809</Sole>
      <Shared>0</Shared>
      <None>230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>1263000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>42510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>44210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>1537445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>222469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>15870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>2393000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8303</Sole>
      <Shared>140</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>236639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>18688246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>64056</Sole>
      <Shared>0</Shared>
      <None>1887</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>4074158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>13622</Sole>
      <Shared>0</Shared>
      <None>754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>7973176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>24748</Sole>
      <Shared>0</Shared>
      <None>3386</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>13114335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>43458</Sole>
      <Shared>0</Shared>
      <None>2817</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>345780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>647</Sole>
      <Shared>0</Shared>
      <None>566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>12619519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15010</Sole>
      <Shared>0</Shared>
      <None>29519</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>36561717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>127942</Sole>
      <Shared>0</Shared>
      <None>1069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>1701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>1680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>009158106</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>3019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>321895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>316000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>699771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>187978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>723783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3627</Sole>
      <Shared>0</Shared>
      <None>1648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>36087</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>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>86442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>517</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>203208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIRBNB INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>009066101</cusip>
    <value>1921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>5860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>99721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>97000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>202426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>64457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>3000</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>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>56786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>222775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1455</Sole>
      <Shared>0</Shared>
      <None>636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>6274886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58897</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AKAMAI TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00971T101</cusip>
    <value>259318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>011659109</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>011659109</cusip>
    <value>25585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>011659109</cusip>
    <value>60255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>011659109</cusip>
    <value>16686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>011659109</cusip>
    <value>22731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>613</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>011659109</cusip>
    <value>66225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1129</Sole>
      <Shared>0</Shared>
      <None>657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>011659109</cusip>
    <value>81205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1499</Sole>
      <Shared>0</Shared>
      <None>691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>012348108</cusip>
    <value>3624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>012348108</cusip>
    <value>67000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>012348108</cusip>
    <value>66867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>012348108</cusip>
    <value>151594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>012348108</cusip>
    <value>205174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>012348108</cusip>
    <value>292748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>486144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2857</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>219182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1263</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>119000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>255060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>68016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>6632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>86000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>127020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>747</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>3231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>1136887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6339</Sole>
      <Shared>0</Shared>
      <None>347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>19250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>11223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>4884739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28525</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>1251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>45500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>112613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>31623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>79147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2369</Sole>
      <Shared>0</Shared>
      <None>1110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>5859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>14992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>632</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>7759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>31966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>65385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>19616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>4015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>97177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2907</Sole>
      <Shared>0</Shared>
      <None>437</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>14472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>472</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>236882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3049</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>225555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2111</Sole>
      <Shared>0</Shared>
      <None>816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>619000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>411423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>5339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>3515862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45095</Sole>
      <Shared>0</Shared>
      <None>530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>263468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>2622660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>31430</Sole>
      <Shared>0</Shared>
      <None>2604</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>4104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>122723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>120000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>216717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>55055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>3000</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>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>103904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>473</Sole>
      <Shared>0</Shared>
      <None>565</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>22159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>119720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>248</Sole>
      <Shared>0</Shared>
      <None>948</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>1393592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>1902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>2905183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>33493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>102006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>74683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>1996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>41548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>646647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>01626W101</cusip>
    <value>1230654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>173576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>01626W101</cusip>
    <value>1231000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>173576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>01626W101</cusip>
    <value>7671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>372</Sole>
      <Shared>0</Shared>
      <None>710</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>384093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1248</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>148080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>144000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>293107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>82436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>576749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1610</Sole>
      <Shared>0</Shared>
      <None>279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>23510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>3969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>551713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1279</Sole>
      <Shared>0</Shared>
      <None>528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>016255101</cusip>
    <value>2443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALKAMI TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01644J108</cusip>
    <value>917450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50354</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALKAMI TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01644J108</cusip>
    <value>917000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50354</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALKAMI TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01644J108</cusip>
    <value>5047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>35324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>62520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>63000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>118059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>39700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>136189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1262</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>3960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>51787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>448</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>6548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>628931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>19191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>629000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>19191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>23955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>9422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>289600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8711</Sole>
      <Shared>0</Shared>
      <None>356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>83779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2623</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>16002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGRO MICROSYSTEMS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01749D105</cusip>
    <value>205598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6437</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>60700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</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>80428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2650</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>910500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>30000</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>86498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>17006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>208</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>74274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>145350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>36338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>79000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>72433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>488279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8680</Sole>
      <Shared>0</Shared>
      <None>1398</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>34448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>214827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4416</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>1418180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28081</Sole>
      <Shared>0</Shared>
      <None>1190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>018802108</cusip>
    <value>1212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>5552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>37208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>37000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>70872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>27758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>86109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>429</Sole>
      <Shared>0</Shared>
      <None>1029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>66188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>01973R101</cusip>
    <value>10099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>823431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7360</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>63169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>365425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>98932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>888</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>46012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>236635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>2036</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>82889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>744</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>398179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>3418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>2518089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21528</Sole>
      <Shared>0</Shared>
      <None>1074</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>126951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>1105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>7799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>4363038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>34382</Sole>
      <Shared>0</Shared>
      <None>4780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020002101</cusip>
    <value>3009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02005N100</cusip>
    <value>1361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02005N100</cusip>
    <value>104399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02005N100</cusip>
    <value>21077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02005N100</cusip>
    <value>66807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1582</Sole>
      <Shared>0</Shared>
      <None>922</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02005N100</cusip>
    <value>36777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02005N100</cusip>
    <value>10539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02005N100</cusip>
    <value>881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>380057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2135</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>131408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>126000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>283360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>71726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>202957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>13460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>19658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02043Q107</cusip>
    <value>1063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHA METALLURGICAL RESOUR I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020764106</cusip>
    <value>258951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>981</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHA METALLURGICAL RESOUR I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>020764106</cusip>
    <value>519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>24291385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>181993</Sole>
      <Shared>0</Shared>
      <None>2242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>14202882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>105988</Sole>
      <Shared>0</Shared>
      <None>1732</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>7984000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>60550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>55904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>8587391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>65130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>2249361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>17060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>1352367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>10257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>4914000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>37266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>124203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>29738372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>212002</Sole>
      <Shared>0</Shared>
      <None>13545</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>1125076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>3586</Sole>
      <Shared>0</Shared>
      <None>4947</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>10590719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>56740</Sole>
      <Shared>0</Shared>
      <None>23584</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>8842389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21421</Sole>
      <Shared>0</Shared>
      <None>45643</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>66752886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>506279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>484282</Sole>
      <Shared>0</Shared>
      <None>21997</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>29651747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>82487</Sole>
      <Shared>0</Shared>
      <None>142403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>65995935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>454855</Sole>
      <Shared>0</Shared>
      <None>45683</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>533993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL C        </titleOfClass>
    <cusip>02079K107</cusip>
    <value>125917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>955</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>34924179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>260713</Sole>
      <Shared>0</Shared>
      <None>6169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>10354298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>78425</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>9998000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>76400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>44492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>9906102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>75700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>2746751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>20990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>957633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>5319000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>40645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>59803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>50252726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>361385</Sole>
      <Shared>0</Shared>
      <None>22634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>4221937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6147</Sole>
      <Shared>0</Shared>
      <None>26116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>3577320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12669</Sole>
      <Shared>0</Shared>
      <None>14668</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>39005048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>275178</Sole>
      <Shared>0</Shared>
      <None>22889</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>3083192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC                            </nameOfIssuer>
    <titleOfClass>CAP STK CL A        </titleOfClass>
    <cusip>02079K305</cusip>
    <value>246279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1882</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>3634171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84453</Sole>
      <Shared>0</Shared>
      <None>1972</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>588910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13808</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>467000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>941920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>22400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>256295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>72536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>122000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>4470420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>101758</Sole>
      <Shared>0</Shared>
      <None>4554</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>223953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>214876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4955</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>11969070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>277116</Sole>
      <Shared>0</Shared>
      <None>7523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02209S103</cusip>
    <value>2355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>A-MARK PRECIOUS METALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00181T107</cusip>
    <value>129052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>A-MARK PRECIOUS METALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00181T107</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>A-MARK PRECIOUS METALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00181T107</cusip>
    <value>87990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>27086602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>203649</Sole>
      <Shared>0</Shared>
      <None>9430</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>20523270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>160027</Sole>
      <Shared>0</Shared>
      <None>1421</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>13878000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>109170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>27585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>14555240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>114500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>3945169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>31035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>1219208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>9591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>9046000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>71165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>113772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>26159898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>199863</Sole>
      <Shared>0</Shared>
      <None>5926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>709330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>3411</Sole>
      <Shared>0</Shared>
      <None>2169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>7989238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>52495</Sole>
      <Shared>0</Shared>
      <None>10353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>74055536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>555498</Sole>
      <Shared>0</Shared>
      <None>27066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>8140320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14490</Sole>
      <Shared>0</Shared>
      <None>49547</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>25329677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>77771</Sole>
      <Shared>0</Shared>
      <None>121487</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>89850450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>706816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>642129</Sole>
      <Shared>0</Shared>
      <None>64687</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>2006589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023135106</cusip>
    <value>253986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>222551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24226</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>94192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>85000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>163515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>17851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>45800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>13859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>913783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>99268</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>2181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>17404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>985982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>105842</Sole>
      <Shared>0</Shared>
      <None>1798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>3295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>61678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>124200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>39710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>114000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>113808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>412396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3726</Sole>
      <Shared>0</Shared>
      <None>1155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>605849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>350211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>501786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5926</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMER STATES WTR CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>029899101</cusip>
    <value>2596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMER STATES WTR CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>029899101</cusip>
    <value>637780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8037</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMER STATES WTR CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>029899101</cusip>
    <value>1023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>23122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>108504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>109000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>243198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>71463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>43028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>414858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4311</Sole>
      <Shared>0</Shared>
      <None>1233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>154299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2050</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMEREN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>023608102</cusip>
    <value>132449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>955</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICA MOVIL SAB DE CV                 </nameOfIssuer>
    <titleOfClass>SPON ADS RP CL B    </titleOfClass>
    <cusip>02390A101</cusip>
    <value>86600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICA MOVIL SAB DE CV                 </nameOfIssuer>
    <titleOfClass>SPON ADS RP CL B    </titleOfClass>
    <cusip>02390A101</cusip>
    <value>1784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICA MOVIL SAB DE CV                 </nameOfIssuer>
    <titleOfClass>SPON ADS RP CL B    </titleOfClass>
    <cusip>02390A101</cusip>
    <value>3049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICA MOVIL SAB DE CV                 </nameOfIssuer>
    <titleOfClass>SPON ADS RP CL B    </titleOfClass>
    <cusip>02390A101</cusip>
    <value>2797907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>161542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN AIRLS GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02376R102</cusip>
    <value>58798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN AIRLS GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02376R102</cusip>
    <value>59000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN AIRLS GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02376R102</cusip>
    <value>114560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN AIRLS GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02376R102</cusip>
    <value>29143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN AIRLS GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02376R102</cusip>
    <value>20458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1597</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN AIRLS GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02376R102</cusip>
    <value>51957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1959</Sole>
      <Shared>0</Shared>
      <None>2097</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN AIRLS GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>02376R102</cusip>
    <value>21662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1627</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN CENTY ETF TR                   </nameOfIssuer>
    <titleOfClass>US EQT ETF          </titleOfClass>
    <cusip>025072885</cusip>
    <value>922856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>3353909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43800</Sole>
      <Shared>0</Shared>
      <None>788</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>4535916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>60217</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>1006000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>30615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>33473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>1045558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>129755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>179932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>1887000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24684</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>170900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>14685878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>195226</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>2318732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>30638</Sole>
      <Shared>0</Shared>
      <None>188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>5255471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>69730</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>11256146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>147050</Sole>
      <Shared>0</Shared>
      <None>2593</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>287790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1457</Sole>
      <Shared>0</Shared>
      <None>2369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>1023142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13593</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>5770653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69919</Sole>
      <Shared>0</Shared>
      <None>6798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>251686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>1129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025537101</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>1911124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11971</Sole>
      <Shared>0</Shared>
      <None>839</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>14471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>1132352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>301364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>8802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>517829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3471</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>3841195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23458</Sole>
      <Shared>0</Shared>
      <None>2289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>674786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4434</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>15015526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>89603</Sole>
      <Shared>0</Shared>
      <None>11044</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>357012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025816109</cusip>
    <value>5371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FINL GROUP INC OHIO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025932104</cusip>
    <value>106087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FINL GROUP INC OHIO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025932104</cusip>
    <value>28476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FINL GROUP INC OHIO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025932104</cusip>
    <value>55054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>493</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FINL GROUP INC OHIO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025932104</cusip>
    <value>97041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>518</Sole>
      <Shared>0</Shared>
      <None>351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FINL GROUP INC OHIO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025932104</cusip>
    <value>1228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN FINL GROUP INC OHIO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>025932104</cusip>
    <value>171637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>3201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>57273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>139477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>32511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>67751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>67370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>1044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>155176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4510</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>930417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>27617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN HOMES 4 RENT                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>02665T306</cusip>
    <value>10545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>286880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4708</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>12120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>562368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>147379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2432</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>12000</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>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>92052</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>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>262459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2931</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>026874784</cusip>
    <value>352571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4164</Sole>
      <Shared>0</Shared>
      <None>1654</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>1712418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9102</Sole>
      <Shared>0</Shared>
      <None>1311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>3567743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>21373</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>1228000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>8058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>5098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>980122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>259338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>65780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>1634000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9938</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>106893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>11356753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>66067</Sole>
      <Shared>0</Shared>
      <None>2992</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>3349024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>19275</Sole>
      <Shared>0</Shared>
      <None>1090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>5243159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>26591</Sole>
      <Shared>0</Shared>
      <None>5292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>18193268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>107591</Sole>
      <Shared>0</Shared>
      <None>3040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>125244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>762</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>2314963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14025</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>7179558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>40460</Sole>
      <Shared>0</Shared>
      <None>3198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>862047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03027X100</cusip>
    <value>3125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>1282383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10175</Sole>
      <Shared>0</Shared>
      <None>181</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>144138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>142000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>303384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>85443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>77518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>1021845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7354</Sole>
      <Shared>0</Shared>
      <None>898</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>2477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>835110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6382</Sole>
      <Shared>0</Shared>
      <None>362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>030420103</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>4774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>56259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>56000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>104610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>28433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>674</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>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>251035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6573</Sole>
      <Shared>0</Shared>
      <None>1682</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>8363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICOLD REALTY TRUST INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03064D108</cusip>
    <value>692466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>22771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>6590633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19967</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>1848516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>1574000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>5275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>441771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>126597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>2317000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7028</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>531774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>6046331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17737</Sole>
      <Shared>0</Shared>
      <None>603</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>1112265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2006</Sole>
      <Shared>0</Shared>
      <None>1368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>523202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1574</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>3728351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10911</Sole>
      <Shared>0</Shared>
      <None>398</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03076C106</cusip>
    <value>89673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>71368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>483</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>203909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>204000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>415206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>130324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>50558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>342</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>495883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1907</Sole>
      <Shared>0</Shared>
      <None>1449</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>675706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3910</Sole>
      <Shared>0</Shared>
      <None>663</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031100100</cusip>
    <value>24085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>11977021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40136</Sole>
      <Shared>0</Shared>
      <None>4428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>4410889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16127</Sole>
      <Shared>0</Shared>
      <None>285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>1289000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>37626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>33864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>2456198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>490487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>188132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>2262000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8291</Sole>
      <Shared>125</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>193238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>12491159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>44448</Sole>
      <Shared>0</Shared>
      <None>2029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>3946472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>13885</Sole>
      <Shared>0</Shared>
      <None>799</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>6158635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19311</Sole>
      <Shared>0</Shared>
      <None>3604</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>20321481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>73596</Sole>
      <Shared>0</Shared>
      <None>2016</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>1347722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>545</Sole>
      <Shared>0</Shared>
      <None>4470</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>1608260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5972</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>21372064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>77578</Sole>
      <Shared>0</Shared>
      <None>1943</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>8332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>7056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>14112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031162100</cusip>
    <value>504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMKOR TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031652100</cusip>
    <value>4204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMKOR TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>031652100</cusip>
    <value>204304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>340411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3937</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>1167545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13721</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>302000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>625726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>167476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>1053000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>199728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>11967651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>135649</Sole>
      <Shared>0</Shared>
      <None>6840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>125998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1498</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>2180968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>25807</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>4832953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>50236</Sole>
      <Shared>0</Shared>
      <None>7306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>114814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>032095101</cusip>
    <value>3360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLITUDE INC                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03213A104</cusip>
    <value>579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLITUDE INC                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03213A104</cusip>
    <value>203401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLITUDE INC                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03213A104</cusip>
    <value>203000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLITUDE INC                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03213A104</cusip>
    <value>1354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLITUDE INC                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03213A104</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>2333249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13304</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>4197783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>23913</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>1786000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>15233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>8054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>1127930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>305007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>354657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2026</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>1061000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>191899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>18030418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>102967</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>5916116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>33789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>7641453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>43596</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>17257396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>95850</Sole>
      <Shared>0</Shared>
      <None>2713</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>232576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1328</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>430196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>14215557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>64535</Sole>
      <Shared>0</Shared>
      <None>16655</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>319014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>032654105</cusip>
    <value>11206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANGI INC                                </nameOfIssuer>
    <titleOfClass>COM CL A NEW        </titleOfClass>
    <cusip>00183L102</cusip>
    <value>288000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>145644</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANGI INC                                </nameOfIssuer>
    <titleOfClass>COM CL A NEW        </titleOfClass>
    <cusip>00183L102</cusip>
    <value>288375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>145644</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>03524A108</cusip>
    <value>99982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>03524A108</cusip>
    <value>6470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>03524A108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>03524A108</cusip>
    <value>78471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1307</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>03524A108</cusip>
    <value>72167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>686</Sole>
      <Shared>0</Shared>
      <None>619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>035710839</cusip>
    <value>40197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1860</Sole>
      <Shared>0</Shared>
      <None>277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>035710839</cusip>
    <value>114402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>035710839</cusip>
    <value>24867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>035710839</cusip>
    <value>4789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>035710839</cusip>
    <value>222409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8873</Sole>
      <Shared>0</Shared>
      <None>2951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>035710839</cusip>
    <value>21030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>265415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>892</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>375211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1245</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>170000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>336232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>86290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>591000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1987</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>408536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>4960456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14582</Sole>
      <Shared>0</Shared>
      <None>2089</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>5654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>305286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1026</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>2183124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7307</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANSYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03662Q105</cusip>
    <value>58320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>22762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>39534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>8087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>6218</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>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>103052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6063</Sole>
      <Shared>0</Shared>
      <None>2539</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>3498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO MIDSTREAM CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03676B102</cusip>
    <value>24248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1380</Sole>
      <Shared>0</Shared>
      <None>644</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>51000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>50760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>81216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>14720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>17741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>286616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>14213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANTERO RESOURCES CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03674X106</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>3176708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9775</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>459096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>22695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>826761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>210743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>459000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>956137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1464</Sole>
      <Shared>0</Shared>
      <None>1485</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>3826444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10897</Sole>
      <Shared>0</Shared>
      <None>905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>667893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>4118567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11451</Sole>
      <Shared>0</Shared>
      <None>1252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>4439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>99873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>100000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>161934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>47882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>63171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1537</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>124081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2667</Sole>
      <Shared>0</Shared>
      <None>352</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>215652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>588</Sole>
      <Shared>0</Shared>
      <None>4659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03743Q108</cusip>
    <value>2097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INCOME REIT CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03750L109</cusip>
    <value>21275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INCOME REIT CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03750L109</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INCOME REIT CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03750L109</cusip>
    <value>58453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INCOME REIT CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03750L109</cusip>
    <value>19065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INCOME REIT CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03750L109</cusip>
    <value>4790</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>APARTMENT INCOME REIT CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03750L109</cusip>
    <value>614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INCOME REIT CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03750L109</cusip>
    <value>418472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>03748R747</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>03748R747</cusip>
    <value>6752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>03748R747</cusip>
    <value>19407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>03748R747</cusip>
    <value>4223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>03748R747</cusip>
    <value>993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>03748R747</cusip>
    <value>111602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>API GROUP CORP                          </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>00187Y100</cusip>
    <value>1228745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>API GROUP CORP                          </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>00187Y100</cusip>
    <value>1229000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>API GROUP CORP                          </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>00187Y100</cusip>
    <value>10320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>326</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>10771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>5027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>590262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>166415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>596006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5423</Sole>
      <Shared>0</Shared>
      <None>1217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>309585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3449</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>180059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1896</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03769M106</cusip>
    <value>4578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE HOSPITALITY REIT INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>03784Y200</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE HOSPITALITY REIT INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>03784Y200</cusip>
    <value>3881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE HOSPITALITY REIT INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>03784Y200</cusip>
    <value>49278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2938</Sole>
      <Shared>0</Shared>
      <None>259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE HOSPITALITY REIT INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>03784Y200</cusip>
    <value>537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE HOSPITALITY REIT INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>03784Y200</cusip>
    <value>2102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>79</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE HOSPITALITY REIT INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>03784Y200</cusip>
    <value>287748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>137149654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>801061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>777302</Sole>
      <Shared>0</Shared>
      <None>23759</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>43178820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>249848</Sole>
      <Shared>0</Shared>
      <None>2350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>30750000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>179605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>53931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>204254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>111287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>32570990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>190240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>8803276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>51418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>5182864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>30272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>15808000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>92330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>728841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>4257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>75955776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>433420</Sole>
      <Shared>0</Shared>
      <None>10221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>21778768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>123497</Sole>
      <Shared>0</Shared>
      <None>3708</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>32791509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>173544</Sole>
      <Shared>0</Shared>
      <None>17984</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>240117402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1402473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1341890</Sole>
      <Shared>0</Shared>
      <None>60583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>27578871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15277</Sole>
      <Shared>0</Shared>
      <None>145805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>68980167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>203499</Sole>
      <Shared>0</Shared>
      <None>199399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>272660143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1592548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1524120</Sole>
      <Shared>0</Shared>
      <None>68428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>2403617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14039</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>037833100</cusip>
    <value>567048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>5014936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35109</Sole>
      <Shared>0</Shared>
      <None>1113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>3785085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>27197</Sole>
      <Shared>0</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>3638000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>26280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>4984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>1492491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>399705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>3025000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>34474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>2046983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10704</Sole>
      <Shared>0</Shared>
      <None>4081</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>467752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1584</Sole>
      <Shared>0</Shared>
      <None>1794</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>22152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>37320305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>267033</Sole>
      <Shared>0</Shared>
      <None>2525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038222105</cusip>
    <value>85839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>2358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>67413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>60000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>113886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>31968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>10070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>326193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3805</Sole>
      <Shared>0</Shared>
      <None>4358</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLOVIN CORP                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>03831W108</cusip>
    <value>11149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>258333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2063</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>62520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>63000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>101908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>30635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>16160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>409131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1524</Sole>
      <Shared>0</Shared>
      <None>1748</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>038336103</cusip>
    <value>4501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>330868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3315</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>1044265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10216</Sole>
      <Shared>0</Shared>
      <None>376</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>159000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>345065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>91196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>1036000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>576554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2006</Sole>
      <Shared>0</Shared>
      <None>3842</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>138322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>674553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>6747</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>8667934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>86512</Sole>
      <Shared>0</Shared>
      <None>1407</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>44366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>1955335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>19833</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>3529719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30481</Sole>
      <Shared>0</Shared>
      <None>5321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>46498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>103510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2983</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>30883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>12770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>24290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03852U106</cusip>
    <value>2013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>1232875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>15107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>258420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>17377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>376231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>92464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>258000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>22558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>2389706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28777</Sole>
      <Shared>0</Shared>
      <None>1203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>496992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>1954489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24226</Sole>
      <Shared>0</Shared>
      <None>294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>386195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>4990240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60589</Sole>
      <Shared>0</Shared>
      <None>5577</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>2617602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>34707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>2525000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>33475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>3318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>505314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>136887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>2337000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>30990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>26322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>670936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7142</Sole>
      <Shared>0</Shared>
      <None>1754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>257859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2443</Sole>
      <Shared>0</Shared>
      <None>976</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>385396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3731</Sole>
      <Shared>0</Shared>
      <None>1379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039483102</cusip>
    <value>72555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>962</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04010L103</cusip>
    <value>172232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04010L103</cusip>
    <value>97350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04010L103</cusip>
    <value>233640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES MANAGEMENT CORPORATION             </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>03990B101</cusip>
    <value>10698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES MANAGEMENT CORPORATION             </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>03990B101</cusip>
    <value>2880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES MANAGEMENT CORPORATION             </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>03990B101</cusip>
    <value>216027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2100</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>55550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</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>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>28</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>95258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES MANAGEMENT CORPORATION             </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>03990B101</cusip>
    <value>5247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES MANAGEMENT CORPORATION             </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>03990B101</cusip>
    <value>420121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>3844</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES MANAGEMENT CORPORATION             </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>03990B101</cusip>
    <value>1123238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARGENX SE                               </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>04016X101</cusip>
    <value>24090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARGENX SE                               </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>04016X101</cusip>
    <value>57029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARGENX SE                               </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>04016X101</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARGENX SE                               </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>04016X101</cusip>
    <value>5408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARGENX SE                               </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>04016X101</cusip>
    <value>622404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1219</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARGENX SE                               </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>04016X101</cusip>
    <value>305794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>622</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARGENX SE                               </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>04016X101</cusip>
    <value>429193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>804</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>6254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>320406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1662</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>287000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>579380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>158180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>15000</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>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>166825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>4230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>808924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2841</Sole>
      <Shared>0</Shared>
      <None>1557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>16922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>677414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2994</Sole>
      <Shared>0</Shared>
      <None>689</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>040413106</cusip>
    <value>60697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>3256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>52601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>85789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>26300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>159556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>75019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>436</Sole>
      <Shared>0</Shared>
      <None>163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042735100</cusip>
    <value>216916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW FINL CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042744102</cusip>
    <value>445295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW FINL CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>042744102</cusip>
    <value>4242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARTESIAN RES CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>043113208</cusip>
    <value>252864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5937</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARTISAN PARTNERS ASSET MGMT             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>04316A108</cusip>
    <value>31133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>814</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARTISAN PARTNERS ASSET MGMT             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>04316A108</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARTISAN PARTNERS ASSET MGMT             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>04316A108</cusip>
    <value>185641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARVINAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04335A105</cusip>
    <value>943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARVINAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04335A105</cusip>
    <value>264354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARVINAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04335A105</cusip>
    <value>264000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARVINAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04335A105</cusip>
    <value>2259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASE TECHNOLOGY HLDG CO LTD              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>00215W100</cusip>
    <value>910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASE TECHNOLOGY HLDG CO LTD              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>00215W100</cusip>
    <value>86796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHFORD HOSPITALITY TR INC              </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>044103869</cusip>
    <value>34029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>26464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>313</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>16336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>49008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>15111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>38961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>236</Sole>
      <Shared>0</Shared>
      <None>241</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>48110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>3921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASHLAND INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>044186104</cusip>
    <value>654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>670484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1131</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>452680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>20014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>463000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>786</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>10007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>4844083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7914</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>1198512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>4225401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6782</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>2655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>71287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>64750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>19200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>37000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>20018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>388298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1885</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29109X106</cusip>
    <value>304552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1485</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPIRA WOMENS HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>04537Y208</cusip>
    <value>8930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPIRA WOMENS HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>04537Y208</cusip>
    <value>71465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURANT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04621X108</cusip>
    <value>104813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURANT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04621X108</cusip>
    <value>30152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURANT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04621X108</cusip>
    <value>18378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURANT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04621X108</cusip>
    <value>66493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>463</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURANT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04621X108</cusip>
    <value>22829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>14525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>7262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>45390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>9078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>106000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>99071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>364209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5994</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>18822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>316459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>517991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8523</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>712888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>311986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>19300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>3454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>38194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>306000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>77642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1147</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>5137984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>73706</Sole>
      <Shared>0</Shared>
      <None>2165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>620315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9101</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>11350346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>164686</Sole>
      <Shared>0</Shared>
      <None>2921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>046353108</cusip>
    <value>871015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>4359795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>257335</Sole>
      <Shared>0</Shared>
      <None>32931</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>716514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>46604</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>669000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>1362494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>90712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>365842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>24357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>6774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>3325233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>196816</Sole>
      <Shared>0</Shared>
      <None>24571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>766819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5200</Sole>
      <Shared>0</Shared>
      <None>45853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>105636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6889</Sole>
      <Shared>0</Shared>
      <None>144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>6842406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>410624</Sole>
      <Shared>0</Shared>
      <None>44929</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00206R102</cusip>
    <value>7751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>516</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04911A107</cusip>
    <value>151642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5250</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04911A107</cusip>
    <value>1410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04911A107</cusip>
    <value>247508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>118286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>576</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>457831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2258</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>171000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>18539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>362718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>97732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>290000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>3426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>2999476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13774</Sole>
      <Shared>0</Shared>
      <None>1111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>28212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>737325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3654</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>2415903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11863</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATLASSIAN CORPORATION                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>049468101</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>117900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>264825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>95000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>190674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>49257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>539000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>388657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>3208832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29828</Sole>
      <Shared>0</Shared>
      <None>464</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>43220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>408</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>241626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2260</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>1495096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13546</Sole>
      <Shared>0</Shared>
      <None>568</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>178174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049560105</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMUS FILTRATION TECHNOLOGIE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04956D107</cusip>
    <value>431000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATMUS FILTRATION TECHNOLOGIE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>04956D107</cusip>
    <value>431261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATRION CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049904105</cusip>
    <value>20245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATRION CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049904105</cusip>
    <value>111000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATRION CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049904105</cusip>
    <value>90484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATRION CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049904105</cusip>
    <value>494978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1127</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATRION CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>049904105</cusip>
    <value>320620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>757</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>155596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>733</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>495343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2356</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>294000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>564864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>150010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>569000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>606039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2929</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>4759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>4483326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21012</Sole>
      <Shared>0</Shared>
      <None>656</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>241051</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>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>251396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>2378844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8578</Sole>
      <Shared>0</Shared>
      <None>2919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTODESK INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052769106</cusip>
    <value>5173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOLIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052800109</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOLIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052800109</cusip>
    <value>54608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOLIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052800109</cusip>
    <value>24120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOLIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>052800109</cusip>
    <value>854234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>9092962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36465</Sole>
      <Shared>0</Shared>
      <None>1331</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>1656153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6838</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>633000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>1270262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>345232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>59134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>1246000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>236731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>984</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>23487104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>94377</Sole>
      <Shared>0</Shared>
      <None>3250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>504216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>1288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>7006411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>29116</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>58221082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>219254</Sole>
      <Shared>0</Shared>
      <None>22749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>646198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053015103</cusip>
    <value>10345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>30280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>49962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>18168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>617258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>320817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTONATION INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05329W102</cusip>
    <value>1968</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>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>1496054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>330199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>330000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>609598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>165099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>269239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>789937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>15240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>520698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053332102</cusip>
    <value>472438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>2599457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15040</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>4059418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>23487</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>707000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>26620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>36409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>914000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>80374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>65089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>1855000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10616</Sole>
      <Shared>185</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>121592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>11695837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>66837</Sole>
      <Shared>0</Shared>
      <None>1265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>414924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1868</Sole>
      <Shared>0</Shared>
      <None>548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>3815548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19951</Sole>
      <Shared>0</Shared>
      <None>2266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>5586874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>31865</Sole>
      <Shared>0</Shared>
      <None>666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>136424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>657</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>1393327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>2423767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13769</Sole>
      <Shared>0</Shared>
      <None>344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>2135930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>1025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVALONBAY CMNTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053484101</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>21119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>16594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>5129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>62417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2041</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>137847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2490</Sole>
      <Shared>0</Shared>
      <None>2079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANGRID INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05351W103</cusip>
    <value>39191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1212</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>2234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>85374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>85000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>176967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>48800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>5355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>121758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4897</Sole>
      <Shared>0</Shared>
      <None>879</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>88515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>334</Sole>
      <Shared>0</Shared>
      <None>3865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVANTOR INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05352A100</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>3715690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>91335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>91000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>182670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>51148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>89000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>89326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>738535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3715</Sole>
      <Shared>0</Shared>
      <None>328</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>1065046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3921</Sole>
      <Shared>0</Shared>
      <None>1909</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>271630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053611109</cusip>
    <value>1259144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6688</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVID BIOSERVICES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05368M106</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVID BIOSERVICES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05368M106</cusip>
    <value>403579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVID BIOSERVICES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05368M106</cusip>
    <value>404000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVID BIOSERVICES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05368M106</cusip>
    <value>1794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVID BIOSERVICES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05368M106</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>1638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>29878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>53009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>11325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>82735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>67418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>362</Sole>
      <Shared>0</Shared>
      <None>1037</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVNET INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053807103</cusip>
    <value>4434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>4465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>34970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>35000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>72899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>20310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>50814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>1404</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>12859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>478</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05463X106</cusip>
    <value>120090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24018</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05463X106</cusip>
    <value>120000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24018</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>1990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>83775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>80000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>179091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>51737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>151232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>309</Sole>
      <Shared>0</Shared>
      <None>451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>2189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>21690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>100982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1967</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>50642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>47681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>16061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>114000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>93102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>568954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10675</Sole>
      <Shared>0</Shared>
      <None>661</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>4919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>279859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5371</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>12609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>212379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5890</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>208000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>445032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>124750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>3143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>593411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10766</Sole>
      <Shared>0</Shared>
      <None>6035</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>66549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1884</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>124220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1918</Sole>
      <Shared>0</Shared>
      <None>1599</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>2084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>1164304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23381</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>96474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>184186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>45300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>283298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3735</Sole>
      <Shared>0</Shared>
      <None>1956</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>13142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>254426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3621</Sole>
      <Shared>0</Shared>
      <None>1490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>174130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>2335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>203</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>12703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>133775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11580</Sole>
      <Shared>0</Shared>
      <None>5038</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>65084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>161</Sole>
      <Shared>0</Shared>
      <None>7924</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BRADESCO S A                      </nameOfIssuer>
    <titleOfClass>SP ADR PFD NEW      </titleOfClass>
    <cusip>059460303</cusip>
    <value>1445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>464</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BRADESCO S A                      </nameOfIssuer>
    <titleOfClass>SP ADR PFD NEW      </titleOfClass>
    <cusip>059460303</cusip>
    <value>175722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>61657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.                    </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>05964H105</cusip>
    <value>5234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.                    </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>05964H105</cusip>
    <value>33893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9014</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.                    </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>05964H105</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.                    </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>05964H105</cusip>
    <value>122662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20840</Sole>
      <Shared>0</Shared>
      <None>11783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.                    </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>05964H105</cusip>
    <value>20007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>264</Sole>
      <Shared>0</Shared>
      <None>5057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>8424224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>301327</Sole>
      <Shared>0</Shared>
      <None>6351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>6019329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>218674</Sole>
      <Shared>0</Shared>
      <None>1170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>1274000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>46535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>23136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>36333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>2847520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>104000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>654984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>23922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>419160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>15309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>2549000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>92070</Sole>
      <Shared>1020</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>149029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>5443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>19434899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>709821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>709712</Sole>
      <Shared>0</Shared>
      <None>109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>455658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>16172</Sole>
      <Shared>0</Shared>
      <None>470</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>5501409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>200678</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>18420908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>672787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>643083</Sole>
      <Shared>0</Shared>
      <None>29704</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>1596326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13742</Sole>
      <Shared>0</Shared>
      <None>44561</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>6865261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>97796</Sole>
      <Shared>0</Shared>
      <None>152944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>7490976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>248699</Sole>
      <Shared>0</Shared>
      <None>24894</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>528571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>11007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>402</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8</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>498270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>448</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>127904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL QUE                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>063671101</cusip>
    <value>71461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL QUE                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>063671101</cusip>
    <value>22949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL QUE                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>063671101</cusip>
    <value>34339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL QUE                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>063671101</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL QUE                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>063671101</cusip>
    <value>1656858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19638</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL QUE                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>063671101</cusip>
    <value>43282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL QUE                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>063671101</cusip>
    <value>3183027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37250</Sole>
      <Shared>0</Shared>
      <None>477</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>1567004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36720</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>3966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>429486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>115454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>9554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>2042082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44572</Sole>
      <Shared>0</Shared>
      <None>3308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>200669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4705</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>23074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>472</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>1038314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22155</Sole>
      <Shared>0</Shared>
      <None>2190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064058100</cusip>
    <value>768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NOVA SCOTIA HALIFAX                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064149107</cusip>
    <value>68385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NOVA SCOTIA HALIFAX                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064149107</cusip>
    <value>68385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NOVA SCOTIA HALIFAX                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064149107</cusip>
    <value>43265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>949</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK NOVA SCOTIA HALIFAX                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>064149107</cusip>
    <value>702724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>3929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>8044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>53752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>18535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>115000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>106910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2884</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>465747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12174</Sole>
      <Shared>0</Shared>
      <None>390</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>30101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>812</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>347012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9320</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK OZK LITTLE ROCK ARK                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>06417N103</cusip>
    <value>563464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAR HBR BANKSHARES                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>066849100</cusip>
    <value>1591859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS PLC                            </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>06738E204</cusip>
    <value>14723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1827</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS PLC                            </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>06738E204</cusip>
    <value>21119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS PLC                            </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>06738E204</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS PLC                            </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>06738E204</cusip>
    <value>66324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5167</Sole>
      <Shared>0</Shared>
      <None>3347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS PLC                            </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>06738E204</cusip>
    <value>36854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>4616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>067901108</cusip>
    <value>7639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>067901108</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>067901108</cusip>
    <value>610605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>40310</Sole>
      <Shared>0</Shared>
      <None>1656</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>1859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>46982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>47000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>100048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>31772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>212872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5127</Sole>
      <Shared>0</Shared>
      <None>1171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>41445</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>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>44379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1304</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BATH &amp; BODY WORKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>070830104</cusip>
    <value>2231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>183039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4844</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>165150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>113000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>248329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>66611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>379513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8379</Sole>
      <Shared>0</Shared>
      <None>1677</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>41693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1098</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>2264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>835111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>19558</Sole>
      <Shared>0</Shared>
      <None>2570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAXTER INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>071813109</cusip>
    <value>2303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>05534B760</cusip>
    <value>11527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>05534B760</cusip>
    <value>355172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>05534B760</cusip>
    <value>4008</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>BCE INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>05534B760</cusip>
    <value>43781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>05534B760</cusip>
    <value>623125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11603</Sole>
      <Shared>0</Shared>
      <None>4722</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>1622276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6264</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>730864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2796</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>576000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>5171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>926572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>252325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>50413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>2711721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>10487</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>1982925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>7670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>1699835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>6564</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>2686385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9356</Sole>
      <Shared>0</Shared>
      <None>1035</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>164512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>407443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1572</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>7273224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11965</Sole>
      <Shared>0</Shared>
      <None>16168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>37745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>075887109</cusip>
    <value>2069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>1856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>96157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>115368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>37871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>279000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>228278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>1254602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24150</Sole>
      <Shared>0</Shared>
      <None>862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM CL B            </titleOfClass>
    <cusip>08265T208</cusip>
    <value>823427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16006</Sole>
      <Shared>0</Shared>
      <None>410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>33396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>157455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>43618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>194470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2861</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>1795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>1524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>150281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1426</Sole>
      <Shared>0</Shared>
      <None>941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>084423102</cusip>
    <value>3556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>084670108</cusip>
    <value>2125908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>084670108</cusip>
    <value>2657385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>084670108</cusip>
    <value>2125908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>084670108</cusip>
    <value>9566586</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>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>16684439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44299</Sole>
      <Shared>0</Shared>
      <None>3330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>281641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>617</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>8178104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>2211444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>613025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>282000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>804</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>42036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>34174918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>91640</Sole>
      <Shared>0</Shared>
      <None>5919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>3461140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>487</Sole>
      <Shared>0</Shared>
      <None>9394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>1311523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2693</Sole>
      <Shared>0</Shared>
      <None>1051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>40726579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>100965</Sole>
      <Shared>0</Shared>
      <None>15297</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>721968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL              </nameOfIssuer>
    <titleOfClass>CL B NEW            </titleOfClass>
    <cusip>084670702</cusip>
    <value>43087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>2476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>49528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>86241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>15787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>14363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>5015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERRY GLOBAL GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>08579W103</cusip>
    <value>314503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5074</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>858163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12340</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>93368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>90000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>168812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>55229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>142414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1602</Sole>
      <Shared>0</Shared>
      <None>448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>115933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>324</Sole>
      <Shared>0</Shared>
      <None>1332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BEST BUY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>086516101</cusip>
    <value>227723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3099</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BGC GROUP INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>088929104</cusip>
    <value>632528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>119046</Sole>
      <Shared>0</Shared>
      <None>751</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BGC GROUP INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>088929104</cusip>
    <value>47769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9047</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BGC GROUP INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>088929104</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BGC GROUP INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>088929104</cusip>
    <value>303442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>57470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BHP GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>088606108</cusip>
    <value>67460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BHP GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>088606108</cusip>
    <value>98914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1739</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BHP GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>088606108</cusip>
    <value>99000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BHP GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>088606108</cusip>
    <value>280077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4648</Sole>
      <Shared>0</Shared>
      <None>276</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BHP GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>088606108</cusip>
    <value>6940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BHP GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>088606108</cusip>
    <value>361927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4775</Sole>
      <Shared>0</Shared>
      <None>1588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM SER 1           </titleOfClass>
    <cusip>08975P108</cusip>
    <value>3504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM SER 1           </titleOfClass>
    <cusip>08975P108</cusip>
    <value>6544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM SER 1           </titleOfClass>
    <cusip>08975P108</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM SER 1           </titleOfClass>
    <cusip>08975P108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM SER 1           </titleOfClass>
    <cusip>08975P108</cusip>
    <value>98907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM SER 1           </titleOfClass>
    <cusip>08975P108</cusip>
    <value>6494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM SER 1           </titleOfClass>
    <cusip>08975P108</cusip>
    <value>61530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>135061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>71000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>141141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>34200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>64000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>736322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6557</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>86531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>298893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BILL HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>090043100</cusip>
    <value>1738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>179583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>498</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>50183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>103951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>32261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>81727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>171</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>63805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>331566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>090572207</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>162173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>234393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>231000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>475469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>131075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>605259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1777</Sole>
      <Shared>0</Shared>
      <None>578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>44977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>2533862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9555</Sole>
      <Shared>0</Shared>
      <None>304</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09062X103</cusip>
    <value>6426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>6371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>96443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>96000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>212352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>57158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>142276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>966</Sole>
      <Shared>0</Shared>
      <None>642</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>7344</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>BIOMARIN PHARMACEUTICAL INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09061G101</cusip>
    <value>7963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO-TECHNE CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09073M104</cusip>
    <value>62624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO-TECHNE CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09073M104</cusip>
    <value>63000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO-TECHNE CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09073M104</cusip>
    <value>136140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO-TECHNE CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09073M104</cusip>
    <value>38119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO-TECHNE CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09073M104</cusip>
    <value>508143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1317</Sole>
      <Shared>0</Shared>
      <None>6148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIO-TECHNE CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09073M104</cusip>
    <value>13140</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>BIO-TECHNE CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09073M104</cusip>
    <value>63373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>727546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10182</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>49959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>121329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>34971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>2284</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>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>176355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1284</Sole>
      <Shared>0</Shared>
      <None>1187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05550J101</cusip>
    <value>15987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09239B109</cusip>
    <value>610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09239B109</cusip>
    <value>35834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09239B109</cusip>
    <value>36000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09239B109</cusip>
    <value>611279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7330</Sole>
      <Shared>0</Shared>
      <None>3690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09239B109</cusip>
    <value>1553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09239B109</cusip>
    <value>151655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK CORPOR HI YLD FD I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09255P107</cusip>
    <value>103560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>9465907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14308</Sole>
      <Shared>0</Shared>
      <None>334</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>6089289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9258</Sole>
      <Shared>0</Shared>
      <None>161</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>1186000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>40729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>41375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>1881286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>329710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>168010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>2620000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3998</Sole>
      <Shared>55</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>255364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>22506256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>33315</Sole>
      <Shared>0</Shared>
      <None>1498</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>4973448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>7120</Sole>
      <Shared>0</Shared>
      <None>573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>10008958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>12815</Sole>
      <Shared>0</Shared>
      <None>2667</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>21682628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33192</Sole>
      <Shared>0</Shared>
      <None>347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>469511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>371</Sole>
      <Shared>0</Shared>
      <None>355</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>2803181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3870</Sole>
      <Shared>0</Shared>
      <None>466</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>21839725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>32411</Sole>
      <Shared>0</Shared>
      <None>1371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>10344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09247X101</cusip>
    <value>1640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNICIPAL INCOME              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253X102</cusip>
    <value>81281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6482</Sole>
      <Shared>0</Shared>
      <None>1526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNICIPAL INCOME              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253X102</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNICIPAL INCOME              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253X102</cusip>
    <value>3065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNICIPAL INCOME              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253X102</cusip>
    <value>64280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNICIPAL INCOME              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253X102</cusip>
    <value>24177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253N104</cusip>
    <value>46642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3653</Sole>
      <Shared>0</Shared>
      <None>871</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253N104</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253N104</cusip>
    <value>1794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253N104</cusip>
    <value>37157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09253N104</cusip>
    <value>21527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIYILD QULT FD I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09254F100</cusip>
    <value>173910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>21315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>4806493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>304119</Sole>
      <Shared>0</Shared>
      <None>12932</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>4688000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>309244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>144000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>2265086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>143345</Sole>
      <Shared>0</Shared>
      <None>6067</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>23210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1469</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>678577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>42941</Sole>
      <Shared>0</Shared>
      <None>1820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>12249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>09248X100</cusip>
    <value>1728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>734873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5559</Sole>
      <Shared>0</Shared>
      <None>1300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>167674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1498</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>955689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>263029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>580000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>432631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4038</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>6639680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>59987</Sole>
      <Shared>0</Shared>
      <None>1985</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>1869424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8575</Sole>
      <Shared>0</Shared>
      <None>8873</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>1632814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>3847397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>33275</Sole>
      <Shared>0</Shared>
      <None>2635</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE MTG TR INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09257W100</cusip>
    <value>696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE MTG TR INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09257W100</cusip>
    <value>221393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE MTG TR INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09257W100</cusip>
    <value>892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE MTG TR INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09257W100</cusip>
    <value>16117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>741</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>103732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>43921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>77508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>20454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>108770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2443</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>30753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>093671105</cusip>
    <value>1248094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28922</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>217140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4882</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>10357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>201</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>300968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>87635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>1000</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>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>79845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1804</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>1992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>311723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5578</Sole>
      <Shared>0</Shared>
      <None>1465</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>35763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>787</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>90556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>434589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9776</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>852234103</cusip>
    <value>1196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOM ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>093712107</cusip>
    <value>557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOM ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>093712107</cusip>
    <value>6179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOM ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>093712107</cusip>
    <value>55361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOM ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>093712107</cusip>
    <value>1379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOM ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>093712107</cusip>
    <value>44408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2773</Sole>
      <Shared>0</Shared>
      <None>576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOM ENERGY CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>093712107</cusip>
    <value>74176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOMIN BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>094235108</cusip>
    <value>7992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOMIN BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>094235108</cusip>
    <value>9098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOMIN BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>094235108</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOMIN BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>094235108</cusip>
    <value>157106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6237</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOMIN BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>094235108</cusip>
    <value>9443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOOMIN BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>094235108</cusip>
    <value>95458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLUE OWL CAPITAL INC                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09581B103</cusip>
    <value>2061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLUE OWL CAPITAL INC                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09581B103</cusip>
    <value>77760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLUE OWL CAPITAL INC                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09581B103</cusip>
    <value>16848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLUE OWL CAPITAL INC                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09581B103</cusip>
    <value>13362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>868</Sole>
      <Shared>0</Shared>
      <None>163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLUE OWL CAPITAL INC                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09581B103</cusip>
    <value>27631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLUE OWL CAPITAL INC                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>09581B103</cusip>
    <value>1776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BNY MELLON STRATEGIC MUN BD             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09662E109</cusip>
    <value>123753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>2327762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12122</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>705191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3640</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>698000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>1359011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>364192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>92006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>3072630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14897</Sole>
      <Shared>0</Shared>
      <None>1133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>344833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>787</Sole>
      <Shared>0</Shared>
      <None>1012</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>155836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>9421839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>48265</Sole>
      <Shared>0</Shared>
      <None>889</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>097023105</cusip>
    <value>6901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>2257451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>727</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>3321414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1073</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>1483000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>6168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>1480296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>385494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>259052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>990000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>40091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>8776922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2845</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>151114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>2371558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>10075265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3129</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>481097</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>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>626042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>7478579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2287</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09857L108</cusip>
    <value>18504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>526026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4783</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>89601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>90000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>191223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>54089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>119869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>931</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>126186</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>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>24367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>099502106</cusip>
    <value>2951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>194220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4783</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>58537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>59000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>124340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>29672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>475437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9844</Sole>
      <Shared>0</Shared>
      <None>1933</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>8379</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>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>21638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>472</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>394132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9194</Sole>
      <Shared>0</Shared>
      <None>569</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BORGWARNER INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>099724106</cusip>
    <value>1212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>22602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>77324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>77000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>113012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>28253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>227392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3326</Sole>
      <Shared>0</Shared>
      <None>497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>18987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>16654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>83986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>758251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON PROPERTIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101121101</cusip>
    <value>3926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>32155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>502</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>486763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9060</Sole>
      <Shared>0</Shared>
      <None>159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>478000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>979440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>267432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>6442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>1725187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27465</Sole>
      <Shared>0</Shared>
      <None>5209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>37066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>702</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>33370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>401</Sole>
      <Shared>0</Shared>
      <None>231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>1455485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10519</Sole>
      <Shared>0</Shared>
      <None>17047</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>101137107</cusip>
    <value>6600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>484581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>191974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2881</Sole>
      <Shared>0</Shared>
      <None>2077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>23503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>192000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>14133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>1324921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33878</Sole>
      <Shared>0</Shared>
      <None>340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>191354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>055622104</cusip>
    <value>10930269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>265472</Sole>
      <Shared>0</Shared>
      <None>16818</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRAEMAR HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10482B101</cusip>
    <value>1125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>406</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRAEMAR HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10482B101</cusip>
    <value>43074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>98485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>32584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>33000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>63783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>19958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>39182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>319</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109194100</cusip>
    <value>3177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10922N103</cusip>
    <value>215630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4330</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10922N103</cusip>
    <value>46493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10922N103</cusip>
    <value>10767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10922N103</cusip>
    <value>108109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10922N103</cusip>
    <value>56966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>942</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>10922N103</cusip>
    <value>41942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>766</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRINKS CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109696104</cusip>
    <value>1525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRINKS CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109696104</cusip>
    <value>512984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRINKS CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109696104</cusip>
    <value>513000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRINKS CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109696104</cusip>
    <value>5956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRINKS CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109696104</cusip>
    <value>654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRINKS CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>109696104</cusip>
    <value>2324</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>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>12127748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>198307</Sole>
      <Shared>0</Shared>
      <None>10648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>3183726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>53943</Sole>
      <Shared>0</Shared>
      <None>911</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>901000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>23912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>31284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>2073537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>35726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>413187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>12653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>1362000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>22978</Sole>
      <Shared>490</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>88105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>6117648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>97845</Sole>
      <Shared>0</Shared>
      <None>7559</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>380452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>3567</Sole>
      <Shared>0</Shared>
      <None>2988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>2647785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>32244</Sole>
      <Shared>0</Shared>
      <None>13376</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>15171482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>254799</Sole>
      <Shared>0</Shared>
      <None>6598</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>387044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1745</Sole>
      <Shared>0</Shared>
      <None>4924</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>2513190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>43235</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>34167219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>524022</Sole>
      <Shared>0</Shared>
      <None>64662</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>123509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>7546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>110122108</cusip>
    <value>11880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC                   </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>110448107</cusip>
    <value>64736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC                   </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>110448107</cusip>
    <value>7256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC                   </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>110448107</cusip>
    <value>10899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC                   </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>110448107</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC                   </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>110448107</cusip>
    <value>837642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26497</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC                   </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>110448107</cusip>
    <value>13663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC                   </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>110448107</cusip>
    <value>782926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23009</Sole>
      <Shared>0</Shared>
      <None>1917</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>1318533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>61752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>1319000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>61752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>87276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>16312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>19821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>32583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>736</Sole>
      <Shared>0</Shared>
      <None>832</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>27346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1280</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11120U105</cusip>
    <value>548675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>26404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>15084163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18061</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>16674724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>20009</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>6936000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>98008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>115451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>5999279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>1152845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1388</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>364788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>8183000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9737</Sole>
      <Shared>115</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>533232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>642</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>40400242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>48634</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>8469424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>10145</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>15601615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>18743</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>2729330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>868</Sole>
      <Shared>0</Shared>
      <None>2418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>36488210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42615</Sole>
      <Shared>0</Shared>
      <None>1316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>4210210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4329</Sole>
      <Shared>0</Shared>
      <None>740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>29266317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>32861</Sole>
      <Shared>0</Shared>
      <None>2375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>544030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>146183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>5328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135F101</cusip>
    <value>10656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>1253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>136078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>136000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>273947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>68039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>274022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>975106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4977</Sole>
      <Shared>0</Shared>
      <None>469</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>71262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11133T103</cusip>
    <value>1620044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8667</Sole>
      <Shared>0</Shared>
      <None>381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADSTONE NET LEASE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135E203</cusip>
    <value>1516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADSTONE NET LEASE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135E203</cusip>
    <value>544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADSTONE NET LEASE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135E203</cusip>
    <value>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADSTONE NET LEASE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>11135E203</cusip>
    <value>236722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16554</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD            </nameOfIssuer>
    <titleOfClass>CL A LMT VTG SHS    </titleOfClass>
    <cusip>113004105</cusip>
    <value>37641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD            </nameOfIssuer>
    <titleOfClass>CL A LMT VTG SHS    </titleOfClass>
    <cusip>113004105</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD            </nameOfIssuer>
    <titleOfClass>CL A LMT VTG SHS    </titleOfClass>
    <cusip>113004105</cusip>
    <value>31673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD            </nameOfIssuer>
    <titleOfClass>CL A LMT VTG SHS    </titleOfClass>
    <cusip>113004105</cusip>
    <value>662532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>19816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD CORP                         </nameOfIssuer>
    <titleOfClass>CL A LTD VT SH      </titleOfClass>
    <cusip>11271J107</cusip>
    <value>844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD CORP                         </nameOfIssuer>
    <titleOfClass>CL A LTD VT SH      </titleOfClass>
    <cusip>11271J107</cusip>
    <value>70326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD CORP                         </nameOfIssuer>
    <titleOfClass>CL A LTD VT SH      </titleOfClass>
    <cusip>11271J107</cusip>
    <value>123251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3880</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD CORP                         </nameOfIssuer>
    <titleOfClass>CL A LTD VT SH      </titleOfClass>
    <cusip>11271J107</cusip>
    <value>107225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2475</Sole>
      <Shared>0</Shared>
      <None>954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>205330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>55034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>68862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>111395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>761</Sole>
      <Shared>0</Shared>
      <None>834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>11035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>1327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>115795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>1078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>115236101</cusip>
    <value>38761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>1394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>37765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>31955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>8134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>3847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>7437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>115637100</cusip>
    <value>226532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>9461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>55671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>875</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>145667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>42287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>5000</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>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>17702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>69516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>839</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>115637209</cusip>
    <value>196031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3232</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>2430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>42364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>87220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>21494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>21992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>34141</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>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
    <value>312</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>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>1817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>37920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>75050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>16195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>118000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>117552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>275868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3362</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>9164</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>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>356290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRUNSWICK CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>117043109</cusip>
    <value>506311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>4357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>136939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>137000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>199184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>52908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>153496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>833</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>85401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>8714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>479162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12008R107</cusip>
    <value>6474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>86600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>87000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>210546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>54666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>73935</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>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>87141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G16962105</cusip>
    <value>21758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURGERFI INTERNATIONAL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12122L101</cusip>
    <value>36772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>31700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>149371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>54120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>115005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>31796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>76715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>192</Sole>
      <Shared>0</Shared>
      <None>375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>11501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BURLINGTON STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>122017106</cusip>
    <value>3518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>2549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>2042155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>26686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>2038000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>26636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>94100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>31492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>4000</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>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>69132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>811</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>53085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>708</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>2999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>32391</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>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>870293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BWX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05605H100</cusip>
    <value>8248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BYRNA TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12448X201</cusip>
    <value>125000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56007</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BYRNA TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12448X201</cusip>
    <value>125456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56007</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>2756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>68904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>69000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>119204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>37294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>157360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1209</Sole>
      <Shared>0</Shared>
      <None>618</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>5109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>2756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>83374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>17226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C H ROBINSON WORLDWIDE INC              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>12541W209</cusip>
    <value>948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C4 THERAPEUTICS INC                     </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>12529R107</cusip>
    <value>130219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>C4 THERAPEUTICS INC                     </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>12529R107</cusip>
    <value>130000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>1847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>30782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>55408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>12313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>56639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>449417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>5552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>182229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>255491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABLE ONE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12685J105</cusip>
    <value>176689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABOT CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127055101</cusip>
    <value>1455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABOT CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127055101</cusip>
    <value>1718450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABOT CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127055101</cusip>
    <value>1718000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABOT CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127055101</cusip>
    <value>284769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4041</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABOT CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127055101</cusip>
    <value>762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CABOT CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127055101</cusip>
    <value>2771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>2194000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>6890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>2194371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>6890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>95121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>17266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>194009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>618</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>13185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>1884</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>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>367148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1539</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>415648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>410000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>798963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>222585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>371835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1587</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>1257722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4074</Sole>
      <Shared>0</Shared>
      <None>1294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>21556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>782796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2688</Sole>
      <Shared>0</Shared>
      <None>653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>63027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>6327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAE INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>124765108</cusip>
    <value>1523000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAE INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>124765108</cusip>
    <value>1522910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAE INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>124765108</cusip>
    <value>7145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>11124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>64890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>65000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>123291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>33140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>8807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>107810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1119</Sole>
      <Shared>0</Shared>
      <None>1207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>79629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1096</Sole>
      <Shared>0</Shared>
      <None>622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU            </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>128125101</cusip>
    <value>633150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU            </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>128125101</cusip>
    <value>14450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALIFORNIA WTR SVC GROUP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>130788102</cusip>
    <value>5630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALIFORNIA WTR SVC GROUP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>130788102</cusip>
    <value>568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALIFORNIA WTR SVC GROUP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>130788102</cusip>
    <value>198229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4074</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMBRIDGE BANCORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>132152109</cusip>
    <value>169803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2684</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMBRIDGE BANCORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>132152109</cusip>
    <value>8098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMBRIDGE BANCORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>132152109</cusip>
    <value>373740</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>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>1135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>66206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>66000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>124846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>35278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>52965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>182067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1681</Sole>
      <Shared>0</Shared>
      <None>244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>5531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>163151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>277592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2490</Sole>
      <Shared>0</Shared>
      <None>445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>912697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>2932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMECO CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13321L108</cusip>
    <value>103341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMECO CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13321L108</cusip>
    <value>123637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>1119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>13474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>53404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>102700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>30605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>190118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3068</Sole>
      <Shared>0</Shared>
      <None>1560</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>140494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>493001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11356</Sole>
      <Shared>0</Shared>
      <None>645</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>17952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADA GOOSE HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS SUB VTG         </titleOfClass>
    <cusip>135086106</cusip>
    <value>305000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADA GOOSE HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS SUB VTG         </titleOfClass>
    <cusip>135086106</cusip>
    <value>304855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN IMPERIAL BK COMM TO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136069101</cusip>
    <value>5753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN IMPERIAL BK COMM TO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136069101</cusip>
    <value>208919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN IMPERIAL BK COMM TO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136069101</cusip>
    <value>202085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4638</Sole>
      <Shared>0</Shared>
      <None>596</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NAT RES LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136385101</cusip>
    <value>38608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NAT RES LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136385101</cusip>
    <value>909907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136375102</cusip>
    <value>11158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136375102</cusip>
    <value>169211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>136375102</cusip>
    <value>561583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4265</Sole>
      <Shared>0</Shared>
      <None>919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>48887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>472057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>31401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>467000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>14913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>4030566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>53900</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>905942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13646K108</cusip>
    <value>3721393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>48958</Sole>
      <Shared>0</Shared>
      <None>1054</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>629563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6468</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>169935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1679</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>475545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>119372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>532000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>380533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3921</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>3617054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35875</Sole>
      <Shared>0</Shared>
      <None>1395</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>133449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>224477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>6894723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69027</Sole>
      <Shared>0</Shared>
      <None>2016</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14040H105</cusip>
    <value>1941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>4893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>49980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>86807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>27094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>60818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>161144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2802</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>12258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>3841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARA THERAPEUTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>140755109</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARA THERAPEUTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>140755109</cusip>
    <value>675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARA THERAPEUTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>140755109</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARA THERAPEUTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>140755109</cusip>
    <value>11162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARA THERAPEUTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>140755109</cusip>
    <value>726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>432</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARA THERAPEUTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>140755109</cusip>
    <value>6851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4078</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>342852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3925</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>148462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>148000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>283901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>77270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>134224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>23616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>394944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4256</Sole>
      <Shared>0</Shared>
      <None>293</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14149Y108</cusip>
    <value>3300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREMAX INC                             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>14171W103</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREMAX INC                             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>14171W103</cusip>
    <value>1227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREMAX INC                             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>14171W103</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREMAX INC                             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>14171W103</cusip>
    <value>19964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREMAX INC                             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>14171W103</cusip>
    <value>1370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAREMAX INC                             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>14171W103</cusip>
    <value>13034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARGURUS INC                            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>141788109</cusip>
    <value>666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARGURUS INC                            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>141788109</cusip>
    <value>909516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARGURUS INC                            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>141788109</cusip>
    <value>910000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARGURUS INC                            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>141788109</cusip>
    <value>3294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>94371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>362</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>88148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>88000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>165926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>47963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>268853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>954</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>97091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>16852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14316J108</cusip>
    <value>12486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14316J108</cusip>
    <value>81432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14316J108</cusip>
    <value>18096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14316J108</cusip>
    <value>65327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>1191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14316J108</cusip>
    <value>61858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>306897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4311</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>129294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1828</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>69000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>141460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>44914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>61000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>497161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3046</Sole>
      <Shared>0</Shared>
      <None>3983</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>4669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>12095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>326631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4598</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>182979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>143130102</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>6599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>85064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>85000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>177674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>44590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>2566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>145898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5061</Sole>
      <Shared>0</Shared>
      <None>5573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>196662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6892</Sole>
      <Shared>0</Shared>
      <None>7442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>143658300</cusip>
    <value>1016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>2122661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38339</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>292284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5204</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>287000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>596160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>164054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>41400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>91</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>961750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14330</Sole>
      <Shared>0</Shared>
      <None>3093</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>53851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>976</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>656052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>11836</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14448C104</cusip>
    <value>12326105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>207154</Sole>
      <Shared>0</Shared>
      <None>16145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>86507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>16596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>31118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>6569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>130901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>163</Sole>
      <Shared>0</Shared>
      <None>1730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARTERS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>146229109</cusip>
    <value>16043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>147528103</cusip>
    <value>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>147528103</cusip>
    <value>54304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>147528103</cusip>
    <value>131687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>147528103</cusip>
    <value>20364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>147528103</cusip>
    <value>29109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>147528103</cusip>
    <value>30139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CASEYS GEN STORES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>147528103</cusip>
    <value>3530</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>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>125071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2708</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>49673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>48000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>109272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>25497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>156350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2642</Sole>
      <Shared>0</Shared>
      <None>792</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>9516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>8150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>90195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>561</Sole>
      <Shared>0</Shared>
      <None>1420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>148806102</cusip>
    <value>1139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>14325675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51562</Sole>
      <Shared>0</Shared>
      <None>913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>6134310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>22361</Sole>
      <Shared>0</Shared>
      <None>109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>3497000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>30576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>39312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>2470650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>484302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>22386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>3922000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14230</Sole>
      <Shared>135</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>111930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>7208292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>26403</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>281190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>968</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>2374281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>8664</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>832124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1735</Sole>
      <Shared>0</Shared>
      <None>1313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>11582844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>41365</Sole>
      <Shared>0</Shared>
      <None>1063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>1084356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3957</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>20164053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69864</Sole>
      <Shared>0</Shared>
      <None>3997</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>92820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>9576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>16632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149123101</cusip>
    <value>504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATHAY GEN BANCORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149150104</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATHAY GEN BANCORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149150104</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATHAY GEN BANCORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149150104</cusip>
    <value>67712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATHAY GEN BANCORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149150104</cusip>
    <value>243737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5001</Sole>
      <Shared>0</Shared>
      <None>2011</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATHAY GEN BANCORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149150104</cusip>
    <value>204632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATHAY GEN BANCORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149150104</cusip>
    <value>290455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAVCO INDS INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149568107</cusip>
    <value>304181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1134</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAVCO INDS INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149568107</cusip>
    <value>61633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAVCO INDS INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>149568107</cusip>
    <value>797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBOE GLOBAL MKTS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12503M108</cusip>
    <value>1093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBOE GLOBAL MKTS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12503M108</cusip>
    <value>210884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBOE GLOBAL MKTS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12503M108</cusip>
    <value>50768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBOE GLOBAL MKTS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12503M108</cusip>
    <value>109972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBOE GLOBAL MKTS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12503M108</cusip>
    <value>44364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>244</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBOE GLOBAL MKTS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12503M108</cusip>
    <value>36709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBOE GLOBAL MKTS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12503M108</cusip>
    <value>1563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>121057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1565</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>146908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>144000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>285100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>80138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>778115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4056</Sole>
      <Shared>0</Shared>
      <None>6479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>71423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>967</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GROUP INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>12504L109</cusip>
    <value>1490421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11126</Sole>
      <Shared>0</Shared>
      <None>9053</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>5066597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25090</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>4076964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>20207</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>2701000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>2623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>340974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>95836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>88169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>4156000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>20599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>328869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>14377821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>70628</Sole>
      <Shared>0</Shared>
      <None>634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>190063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>804</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>3191238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>6495461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28024</Sole>
      <Shared>0</Shared>
      <None>4170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>62546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDW CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12514G108</cusip>
    <value>66581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>520908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>75312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>75000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>175728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>29497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>733162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5140</Sole>
      <Shared>0</Shared>
      <None>701</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>236247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>682</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>6402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>89245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>91</Sole>
      <Shared>0</Shared>
      <None>620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>150870103</cusip>
    <value>360996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELSIUS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>15118V207</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELSIUS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>15118V207</cusip>
    <value>94380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELSIUS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>15118V207</cusip>
    <value>33462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELSIUS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>15118V207</cusip>
    <value>84942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>336</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELSIUS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>15118V207</cusip>
    <value>1545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELSIUS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>15118V207</cusip>
    <value>15444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>174391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>372178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>173000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>381536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>106722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>199000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>194591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1081</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>759653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3721</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>138757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>199</Sole>
      <Shared>0</Shared>
      <None>572</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENCORA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>03073E105</cusip>
    <value>33294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>18460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>241218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3448</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>237000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>480782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>127566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>166001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>451991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4543</Sole>
      <Shared>0</Shared>
      <None>2019</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>264155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2539</Sole>
      <Shared>0</Shared>
      <None>1296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15135B101</cusip>
    <value>5924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>30018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>110085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>110000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>214800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>56117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>9763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>60010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1516</Sole>
      <Shared>0</Shared>
      <None>719</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>4699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15189T107</cusip>
    <value>40382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>1108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURY CMNTYS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>156504300</cusip>
    <value>8882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURY CMNTYS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>156504300</cusip>
    <value>8214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURY CMNTYS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>156504300</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURY CMNTYS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>156504300</cusip>
    <value>140438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURY CMNTYS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>156504300</cusip>
    <value>8815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTURY CMNTYS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>156504300</cusip>
    <value>85612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>57673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>58000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>127219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>36639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>139567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>793</Sole>
      <Shared>0</Shared>
      <None>1264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>4614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERIDIAN HCM HLDG INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15677J108</cusip>
    <value>99129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>1403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>2297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>423216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2688</Sole>
      <Shared>0</Shared>
      <None>26419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>397000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>26419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>21083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>1963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>142000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>116276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>601752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>41360</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CERTARA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15687V109</cusip>
    <value>348495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23250</Sole>
      <Shared>0</Shared>
      <None>718</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>2574944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30028</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>1725089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>20120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>1661000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>3087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>214350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>62162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>1595000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>18005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>195401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>0</Shared>
      <None>369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>123135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1185</Sole>
      <Shared>0</Shared>
      <None>251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>5573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>74165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CF INDS HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125269100</cusip>
    <value>48958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPIONX CORPORATION                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15872M104</cusip>
    <value>102764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2861</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPIONX CORPORATION                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15872M104</cusip>
    <value>5699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPIONX CORPORATION                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15872M104</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPIONX CORPORATION                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15872M104</cusip>
    <value>47410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>977</Sole>
      <Shared>0</Shared>
      <None>354</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPIONX CORPORATION                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15872M104</cusip>
    <value>26537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>745</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPIONX CORPORATION                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15872M104</cusip>
    <value>819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPIONX CORPORATION                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>15872M104</cusip>
    <value>886724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21182</Sole>
      <Shared>0</Shared>
      <None>3712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGE ENTERPRISES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159610104</cusip>
    <value>45279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>91068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>8449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>16650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>4771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>17569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2591</Sole>
      <Shared>0</Shared>
      <None>944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>6129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>15961R105</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>56834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>131307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>41156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>22342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>93286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>159864107</cusip>
    <value>4116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>14074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>316670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>702</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>309000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>572646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>154377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>580123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>873</Sole>
      <Shared>0</Shared>
      <None>446</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>138544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>4838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>536580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1010</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>16119P108</cusip>
    <value>880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>M22465104</cusip>
    <value>287618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>M22465104</cusip>
    <value>259629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1939</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>M22465104</cusip>
    <value>21192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>M22465104</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>M22465104</cusip>
    <value>187392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>M22465104</cusip>
    <value>8664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>M22465104</cusip>
    <value>48114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>5197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>51970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>103940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>33781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>170981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>67056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>1039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMED CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>16359R103</cusip>
    <value>589340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>17054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>28050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>51893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>10098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>1796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>69508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1940</Sole>
      <Shared>0</Shared>
      <None>538</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>163851108</cusip>
    <value>15458495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>534296</Sole>
      <Shared>0</Shared>
      <None>16809</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>7966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>274332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>257000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>502859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>133598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>969704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4662</Sole>
      <Shared>0</Shared>
      <None>1181</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>8298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>53107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>16411R208</cusip>
    <value>348682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1797</Sole>
      <Shared>0</Shared>
      <None>304</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>86000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>86230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>133657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>42253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>38372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>352</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>2070</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>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>6467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHESAPEAKE ENERGY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>165167735</cusip>
    <value>949</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>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>35605462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>201890</Sole>
      <Shared>0</Shared>
      <None>9268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>11695989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>69148</Sole>
      <Shared>0</Shared>
      <None>215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>3800000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>22534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>61546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>95608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>33724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>5019817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>29770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>998736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>473149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>4268000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24925</Sole>
      <Shared>385</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>336734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>31006014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>183873</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>3478799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>20453</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>10512277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>62224</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>39203644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>226371</Sole>
      <Shared>0</Shared>
      <None>6126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>2426474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3981</Sole>
      <Shared>0</Shared>
      <None>10409</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>5902543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>32806</Sole>
      <Shared>0</Shared>
      <None>2199</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>33687915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>188487</Sole>
      <Shared>0</Shared>
      <None>11299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>794369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>16862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>15750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>166764100</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>534894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>313243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>311000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>641141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>174024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>10991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>1941740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>948</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>423153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>650300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>2711108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1414</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169656105</cusip>
    <value>5496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>1838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>28177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>44104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>17764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>193933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>1472</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>11317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>169905106</cusip>
    <value>329307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>2358888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10806</Sole>
      <Shared>0</Shared>
      <None>525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>1092320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5247</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>291244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>89010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>7000</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>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>6870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>7844639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35350</Sole>
      <Shared>0</Shared>
      <None>2332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>191361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>918</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>878728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2951</Sole>
      <Shared>0</Shared>
      <None>1270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>11417008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>53278</Sole>
      <Shared>0</Shared>
      <None>1564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>1072960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>2707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>3551396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38673</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>2239804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24352</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>2048000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>22350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>3299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>288635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>85674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>2088000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>22783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>22724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>546573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4684</Sole>
      <Shared>0</Shared>
      <None>1281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>231679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1849</Sole>
      <Shared>0</Shared>
      <None>679</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>6414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>9389143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>100784</Sole>
      <Shared>0</Shared>
      <None>1684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>34361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171340102</cusip>
    <value>56170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>613</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>46416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>104436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>34812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>13577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>17406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCHILL DOWNS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>171484108</cusip>
    <value>928</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>CIENA CORP                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>171779309</cusip>
    <value>42534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIENA CORP                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>171779309</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIENA CORP                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>171779309</cusip>
    <value>93244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIENA CORP                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>171779309</cusip>
    <value>25048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIENA CORP                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>171779309</cusip>
    <value>4254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIENA CORP                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>171779309</cusip>
    <value>33224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>470</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIENA CORP                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>171779309</cusip>
    <value>3734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>525000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>524725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>15472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>221</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>1750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>115895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1124</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>150878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>205194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>55237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>496000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>363027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>3049163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29296</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>76119</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>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>209695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINCINNATI FINL CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172062101</cusip>
    <value>1405260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13293</Sole>
      <Shared>0</Shared>
      <None>445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>5964043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12397</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>3027477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>2920000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>5772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>538731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>141898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>2722000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>30785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>924501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1487</Sole>
      <Shared>0</Shared>
      <None>435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>405555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>383</Sole>
      <Shared>0</Shared>
      <None>460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>121696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>192</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>411745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>172908105</cusip>
    <value>95240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>19412198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>350931</Sole>
      <Shared>0</Shared>
      <None>10159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>8262966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>152195</Sole>
      <Shared>0</Shared>
      <None>1506</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>2492000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>46345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>56878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>1058</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>88812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>12096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>3825024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>71150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>758769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>14114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>424859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7903</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>3119000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>57005</Sole>
      <Shared>1010</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>308099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>5731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>24001958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>446465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>437826</Sole>
      <Shared>0</Shared>
      <None>8639</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>5014679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>89652</Sole>
      <Shared>0</Shared>
      <None>3627</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>9893668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>168608</Sole>
      <Shared>0</Shared>
      <None>15426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>35669975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>650630</Sole>
      <Shared>0</Shared>
      <None>12874</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>1755003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9064</Sole>
      <Shared>0</Shared>
      <None>23581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>4850980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>90034</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>42691622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>794115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>724369</Sole>
      <Shared>0</Shared>
      <None>69746</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>776079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>12096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>1683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>2313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>17275R102</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>1399983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34025</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>212436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5086</Sole>
      <Shared>0</Shared>
      <None>79</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>101000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>3866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>1033679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>25132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>270718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>94599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>37264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>906</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>1998342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>48580</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>1455796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>35395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>1256234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>30492</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>1547804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32424</Sole>
      <Shared>0</Shared>
      <None>5208</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>175630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>4170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>502444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12125</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>2315742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>52008</Sole>
      <Shared>0</Shared>
      <None>4295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIGROUP INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>172967424</cusip>
    <value>4401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>240128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8925</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>4985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>186</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>148740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>49687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>300696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9549</Sole>
      <Shared>0</Shared>
      <None>1671</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>43708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1631</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>131347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2991</Sole>
      <Shared>0</Shared>
      <None>1910</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>174610105</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>2738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>18942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>223</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>42944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>10099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>8569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>55552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5445</Sole>
      <Shared>0</Shared>
      <None>2834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>1188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARUS CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>18270P109</cusip>
    <value>247000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32708</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARUS CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>18270P109</cusip>
    <value>247272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32708</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>27447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>2741189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>16079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>2741000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>16079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>108784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>29288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>72969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>169</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>81170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>485</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>324678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1708</Sole>
      <Shared>0</Shared>
      <None>232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>635466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEAN HARBORS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184496107</cusip>
    <value>4687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEARBRIDGE MLP AND MIDSTRM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184692200</cusip>
    <value>598910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEARBRIDGE MLP AND MIDSTRM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>184692200</cusip>
    <value>5813</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>CLEARWATER ANALYTICS HLDGS I            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>185123106</cusip>
    <value>211000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10930</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEARWATER ANALYTICS HLDGS I            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>185123106</cusip>
    <value>243220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1646</Sole>
      <Shared>0</Shared>
      <None>10930</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEARWATER ANALYTICS HLDGS I            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>185123106</cusip>
    <value>174000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEARWATER ANALYTICS HLDGS I            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>185123106</cusip>
    <value>142536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEARWATER ANALYTICS HLDGS I            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>185123106</cusip>
    <value>739233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>38223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEARWATER ANALYTICS HLDGS I            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>185123106</cusip>
    <value>492261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24811</Sole>
      <Shared>0</Shared>
      <None>642</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>47140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>104721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>25790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>2000</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>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>2783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>26868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1060</Sole>
      <Shared>0</Shared>
      <None>659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>7565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>484</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLEVELAND-CLIFFS INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>185899101</cusip>
    <value>516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>914012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>136696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>131000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>209696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>56356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>841929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5320</Sole>
      <Shared>0</Shared>
      <None>1104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>44954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>1210470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8755</Sole>
      <Shared>0</Shared>
      <None>481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX CO DEL                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>189054109</cusip>
    <value>21887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>2774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>119209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>117000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>230096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>65246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>9456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>146001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1294</Sole>
      <Shared>0</Shared>
      <None>1022</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>16832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOUDFLARE INC                          </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>18915M107</cusip>
    <value>1640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>447291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2214</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>356392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1741</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>168000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>6407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>921012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>249274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>62068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>3325454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>16607</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>2424464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>12109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>2090697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>10425</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>3130840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14307</Sole>
      <Shared>0</Shared>
      <None>1330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>149589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>747</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>239463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1156</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>3047949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13708</Sole>
      <Shared>0</Shared>
      <None>1515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>161377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CME GROUP INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12572Q105</cusip>
    <value>4205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>869517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16366</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>2297698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>42214</Sole>
      <Shared>0</Shared>
      <None>1049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>736000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>3718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>5099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>188541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>48330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>65113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>814000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>15333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>64900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>9024292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>159305</Sole>
      <Shared>0</Shared>
      <None>10612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>1721773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>28546</Sole>
      <Shared>0</Shared>
      <None>3873</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>3918137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>55055</Sole>
      <Shared>0</Shared>
      <None>18719</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>3497612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>64188</Sole>
      <Shared>0</Shared>
      <None>1668</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>57852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>964</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>81949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>1136235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20781</Sole>
      <Shared>0</Shared>
      <None>613</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CMS ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125896100</cusip>
    <value>1806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>142780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>20510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>146942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11688</Sole>
      <Shared>0</Shared>
      <None>456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>44649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3606</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12653C108</cusip>
    <value>3093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12653C108</cusip>
    <value>6368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12653C108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12653C108</cusip>
    <value>123784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5458</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12653C108</cusip>
    <value>10793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNX RES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12653C108</cusip>
    <value>67334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2982</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>10938324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>193676</Sole>
      <Shared>0</Shared>
      <None>1721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>1678392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>29500</Sole>
      <Shared>0</Shared>
      <None>482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>1369000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>2762613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>49350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>750412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>13405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>195930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>675000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>383463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>24625434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>430239</Sole>
      <Shared>0</Shared>
      <None>9658</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>395200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>6570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>8920805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>20442</Sole>
      <Shared>0</Shared>
      <None>138915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>41839844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>747407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>636869</Sole>
      <Shared>0</Shared>
      <None>110538</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>465698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>191216100</cusip>
    <value>17466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>6498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>55170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>794</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>55000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>313212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4913</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>224053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3380</Sole>
      <Shared>0</Shared>
      <None>206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA FEMSA SAB DE CV               </nameOfIssuer>
    <titleOfClass>SPONSORD ADR REP    </titleOfClass>
    <cusip>191241108</cusip>
    <value>299876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA FEMSA SAB DE CV               </nameOfIssuer>
    <titleOfClass>SPONSORD ADR REP    </titleOfClass>
    <cusip>191241108</cusip>
    <value>231398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>325175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7652</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>657056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1353</Sole>
      <Shared>0</Shared>
      <None>14129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>641000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>14129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>95490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>20159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>145697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>3650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>953627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20157</Sole>
      <Shared>0</Shared>
      <None>2313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>6451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>192422103</cusip>
    <value>13326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>142254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2030</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>215413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>215000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>440987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>122067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1802</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>651185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5980</Sole>
      <Shared>0</Shared>
      <None>3633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>40370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>596</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>5555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>4403100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>62557</Sole>
      <Shared>0</Shared>
      <None>2443</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>192446102</cusip>
    <value>419107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COGNYTE SOFTWARE LTD                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M25133105</cusip>
    <value>87826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>1860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>613208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>736</Sole>
      <Shared>0</Shared>
      <None>18051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>613000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>736</Sole>
      <Shared>0</Shared>
      <None>18051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>46284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>13807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>7148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>36492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>19247G107</cusip>
    <value>588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>19260Q107</cusip>
    <value>44072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>587</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>19260Q107</cusip>
    <value>168930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>19260Q107</cusip>
    <value>41669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>19260Q107</cusip>
    <value>130339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1032</Sole>
      <Shared>0</Shared>
      <None>704</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>19260Q107</cusip>
    <value>6532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>19260Q107</cusip>
    <value>16968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>19260Q107</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>2191610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23769</Sole>
      <Shared>0</Shared>
      <None>7051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>368065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5050</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>359000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>743100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>192708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>340247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4785</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>973354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10552</Sole>
      <Shared>0</Shared>
      <None>3136</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>6864035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>6779272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>47510</Sole>
      <Shared>0</Shared>
      <None>47825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>503885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>194162103</cusip>
    <value>7538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>14820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>34679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>13338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>155240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>1815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>19239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>1186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLUMBIA SPORTSWEAR CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>198516106</cusip>
    <value>1186</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>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>5482863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117711</Sole>
      <Shared>0</Shared>
      <None>5944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>4433601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>99665</Sole>
      <Shared>0</Shared>
      <None>326</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>2188000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>49355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>7493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>7893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>2336718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>52700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>629052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>14187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>168795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>1099000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>117324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2646</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>13896200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>313371</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>3017514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>68054</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>5112269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>115205</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>18346606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>392775</Sole>
      <Shared>0</Shared>
      <None>20996</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>998821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>1737640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>39021</Sole>
      <Shared>0</Shared>
      <None>168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>12830178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>247127</Sole>
      <Shared>0</Shared>
      <None>42232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>20030N101</cusip>
    <value>7450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>37395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>3532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>71882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>16620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>9958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>119124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2129</Sole>
      <Shared>0</Shared>
      <None>738</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>142683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3063</Sole>
      <Shared>0</Shared>
      <None>371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200340107</cusip>
    <value>1455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>199908104</cusip>
    <value>434546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2502</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>199908104</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>199908104</cusip>
    <value>57087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>199908104</cusip>
    <value>292424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1075</Sole>
      <Shared>0</Shared>
      <None>641</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>199908104</cusip>
    <value>23858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>199908104</cusip>
    <value>180635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>199908104</cusip>
    <value>253570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>44477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>908</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>78879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>65157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1358</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>16697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>263000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>193024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>1672247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32586</Sole>
      <Shared>0</Shared>
      <None>2267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>149745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>106516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>699644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14522</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>200525103</cusip>
    <value>1824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>204166102</cusip>
    <value>3245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>204166102</cusip>
    <value>6693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>204166102</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>204166102</cusip>
    <value>205805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1733</Sole>
      <Shared>0</Shared>
      <None>1311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>204166102</cusip>
    <value>7167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMMVAULT SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>204166102</cusip>
    <value>68354</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>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>1179636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41754</Sole>
      <Shared>0</Shared>
      <None>1267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>2293244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>83271</Sole>
      <Shared>0</Shared>
      <None>363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>203000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>24184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>29312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>676835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>24684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>46477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>11736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>1229000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>43785</Sole>
      <Shared>1034</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>90157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>3288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>5749426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>209679</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>222760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>7634</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>1872073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>68013</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>2552199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>91347</Sole>
      <Shared>0</Shared>
      <None>1731</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>114306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3035</Sole>
      <Shared>0</Shared>
      <None>1134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>769926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>798169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28818</Sole>
      <Shared>0</Shared>
      <None>291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>29531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>205887102</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONMED CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>207410101</cusip>
    <value>6858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONMED CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>207410101</cusip>
    <value>82000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONMED CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>207410101</cusip>
    <value>82495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONMED CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>207410101</cusip>
    <value>208760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1922</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONMED CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>207410101</cusip>
    <value>253940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONMED CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>207410101</cusip>
    <value>360640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>15407957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>127364</Sole>
      <Shared>0</Shared>
      <None>1250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>4589897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>38231</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>2946000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24589</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>21444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>24439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>2333464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>487706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>5750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>2742000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>22673</Sole>
      <Shared>215</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>79308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>5031959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>42002</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>197430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1549</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>1665819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>13852</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>12949781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>102244</Sole>
      <Shared>0</Shared>
      <None>5851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>1487023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7946</Sole>
      <Shared>0</Shared>
      <None>4467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>3403039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>108166821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>902895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>789908</Sole>
      <Shared>0</Shared>
      <None>112987</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>499207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>69604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>10360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>14208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20825C104</cusip>
    <value>592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSENSUS CLOUD SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20848V105</cusip>
    <value>1064000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSENSUS CLOUD SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20848V105</cusip>
    <value>1063956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSENSUS CLOUD SOLUTIONS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>20848V105</cusip>
    <value>932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>230674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2692</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>209549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>210000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>372056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>104347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>350074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2796</Sole>
      <Shared>0</Shared>
      <None>1297</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>524084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>209115104</cusip>
    <value>3949946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>46050</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>1787962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7110</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>1208646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4785</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>226000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>490094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>130692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>1530000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6089</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>576048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>12994515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>51263</Sole>
      <Shared>0</Shared>
      <None>440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>242080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>2660579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>10586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>6251834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23080</Sole>
      <Shared>0</Shared>
      <None>1795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21036P108</cusip>
    <value>1006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>427594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3819</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>259174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2333</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>254000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>450828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>121951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>530238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2891</Sole>
      <Shared>0</Shared>
      <None>1970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>85846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>787</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>1636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION ENERGY CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>21037T109</cusip>
    <value>1356955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11565</Sole>
      <Shared>0</Shared>
      <None>875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>159959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>717749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>89000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>206707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>51200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>867000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>246458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>7042967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21790</Sole>
      <Shared>0</Shared>
      <None>357</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>20039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>1578602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COOPER COS INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>216648402</cusip>
    <value>2952723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7996</Sole>
      <Shared>0</Shared>
      <None>1289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>10643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>276293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>231000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>482608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>130994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>213037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>248000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>202954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>1432915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>30430</Sole>
      <Shared>0</Shared>
      <None>2824</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>115654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>915361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18603</Sole>
      <Shared>0</Shared>
      <None>2640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>217204106</cusip>
    <value>1239699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>28770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>3932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>23592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>149557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6119</Sole>
      <Shared>0</Shared>
      <None>157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>8722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>82976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>237943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>1680999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>54802</Sole>
      <Shared>0</Shared>
      <None>367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>134068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>134000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>293121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>82878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>699226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21683</Sole>
      <Shared>0</Shared>
      <None>1265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>79276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>618419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>20125</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>2555123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>78502</Sole>
      <Shared>0</Shared>
      <None>5355</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219350105</cusip>
    <value>1676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>1007187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18322</Sole>
      <Shared>0</Shared>
      <None>1365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>464328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8967</Sole>
      <Shared>0</Shared>
      <None>109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>224000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>466170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>128821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>35812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>772000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>15090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>557695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>10901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>1169845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22866</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>6088245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>116510</Sole>
      <Shared>0</Shared>
      <None>2494</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>646253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12628</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>97394878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1903731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1724796</Sole>
      <Shared>0</Shared>
      <None>178935</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22052L104</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORVEL CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>221006109</cusip>
    <value>983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORVEL CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>221006109</cusip>
    <value>105798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORVEL CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>221006109</cusip>
    <value>282979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>89116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1105</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>210679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>208000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>395984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>104570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>929677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4685</Sole>
      <Shared>0</Shared>
      <None>7406</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>14840</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>COSTAR GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160N109</cusip>
    <value>31371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>23906847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41847</Sole>
      <Shared>0</Shared>
      <None>469</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>9939341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17549</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>6251000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>16384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>29378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>3192024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>861564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>553425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>4768000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>229374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>23913627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>42319</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>6564270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>11619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>9475509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>16756</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>32978410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>56562</Sole>
      <Shared>0</Shared>
      <None>1811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>4950605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2104</Sole>
      <Shared>0</Shared>
      <None>6659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>2825365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4963</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>19119376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>32376</Sole>
      <Shared>0</Shared>
      <None>1466</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>84179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22160K105</cusip>
    <value>150280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>101924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3540</Sole>
      <Shared>0</Shared>
      <None>228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>324898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11655</Sole>
      <Shared>0</Shared>
      <None>356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>137000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>250862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>66056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>624000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>23086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>457064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>16897</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>3886111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>140238</Sole>
      <Shared>0</Shared>
      <None>3426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>182672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6753</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>323707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>11967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>1957663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69157</Sole>
      <Shared>0</Shared>
      <None>3215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>554119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>2219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>35104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>35000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>53643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>7460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>32932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2140</Sole>
      <Shared>0</Shared>
      <None>862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>6539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>596</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>2177207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>128071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>2057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>227800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>2000</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>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>2431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>2040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>1428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>1161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>19168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>37338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1833</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>13444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>55000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>53288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>155932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7271</Sole>
      <Shared>0</Shared>
      <None>384</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>6503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>165241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>235457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>276767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>2132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>34736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>391</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>44420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>12438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>37046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>226720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1986</Sole>
      <Shared>0</Shared>
      <None>566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>22655</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>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>118157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>223077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2504</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>2501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>23840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>22228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>7780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>22339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>155540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2621</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>14952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>75797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>158652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2848</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>3446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDICORP LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G2519Y108</cusip>
    <value>1332936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>2761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>46012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>11503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>17485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>399844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>1850367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>33809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>247763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4491</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>30868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>133870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1692</Sole>
      <Shared>0</Shared>
      <None>754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>15051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>15817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>6026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>222281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1312</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>220000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>446737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>126707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>3000</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>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>716889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1847</Sole>
      <Shared>0</Shared>
      <None>2436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>45528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>194328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1131</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22788C105</cusip>
    <value>670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>1286487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13770</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>1897106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>20515</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>335000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>17210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>20523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>877966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>129210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>8191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>1164000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12433</Sole>
      <Shared>220</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>63409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>4325686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>47002</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>158752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1621</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>1330478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>14402</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>4757675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49817</Sole>
      <Shared>0</Shared>
      <None>1880</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>164793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>971</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>691882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7507</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>4566621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>47319</Sole>
      <Shared>0</Shared>
      <None>2302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>463279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>1841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>22822V101</cusip>
    <value>9500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>61936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>107769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>34065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>2675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>170943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1721</Sole>
      <Shared>0</Shared>
      <None>211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>228368106</cusip>
    <value>97151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1094</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>9071435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>294868</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>420537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13310</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>409000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>807188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>26250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>217095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>117731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>3665831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>111714</Sole>
      <Shared>0</Shared>
      <None>7500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>25430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>647</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>1960312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>58463</Sole>
      <Shared>0</Shared>
      <None>5287</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126408103</cusip>
    <value>2399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>68634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>69000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>111835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>33364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>52505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>557</Sole>
      <Shared>0</Shared>
      <None>820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>6330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229663109</cusip>
    <value>757948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>56277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>607</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>107081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>44693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>19154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>445000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4879</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>349334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>2209927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23896</Sole>
      <Shared>0</Shared>
      <None>333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>10216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>6821049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4659</Sole>
      <Shared>0</Shared>
      <None>70125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>229899109</cusip>
    <value>1248665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13670</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>3502749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12258</Sole>
      <Shared>0</Shared>
      <None>3074</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>197389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>192000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>406659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>114230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>4248214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17641</Sole>
      <Shared>0</Shared>
      <None>954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>266842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>920237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>1613385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5884</Sole>
      <Shared>0</Shared>
      <None>1178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231021106</cusip>
    <value>4113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>39126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>39000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>90968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>17607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>48755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>62993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>231561101</cusip>
    <value>389499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUSTOM TRUCK ONE SOURCE INC             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>23204X103</cusip>
    <value>2610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUSTOM TRUCK ONE SOURCE INC             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>23204X103</cusip>
    <value>5673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUSTOM TRUCK ONE SOURCE INC             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>23204X103</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUSTOM TRUCK ONE SOURCE INC             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>23204X103</cusip>
    <value>91295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUSTOM TRUCK ONE SOURCE INC             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>23204X103</cusip>
    <value>6002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUSTOM TRUCK ONE SOURCE INC             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>23204X103</cusip>
    <value>55292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>6981930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>98154</Sole>
      <Shared>0</Shared>
      <None>1845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>5822779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>82776</Sole>
      <Shared>0</Shared>
      <None>621</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>1390000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>29743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>44406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>1792349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>25671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>300435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>202324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>2533000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>35770</Sole>
      <Shared>505</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>146203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2094</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>15480630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>218196</Sole>
      <Shared>0</Shared>
      <None>3526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>505148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>5714</Sole>
      <Shared>0</Shared>
      <None>1521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>4939276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>64408</Sole>
      <Shared>0</Shared>
      <None>6335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>15664047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>218308</Sole>
      <Shared>0</Shared>
      <None>6041</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>526484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2162</Sole>
      <Shared>0</Shared>
      <None>5379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>1168368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16645</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>12870340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>171561</Sole>
      <Shared>0</Shared>
      <None>12775</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>5028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>5307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>7482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>126650100</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>103994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>634</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>6223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>174415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>843</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>155090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>19989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>212791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>213000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>432029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>115530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>52553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>489</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>1047295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7541</Sole>
      <Shared>0</Shared>
      <None>2204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>D R HORTON INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23331A109</cusip>
    <value>73832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>404</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>18075822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>71519</Sole>
      <Shared>0</Shared>
      <None>1338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>6423805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>25828</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>2671000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>13397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>12653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>2079078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>557729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>208819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>842</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>2357000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>199721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>23293613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>93874</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>5319016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>21439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>8567637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>34504</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>27552001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>104723</Sole>
      <Shared>0</Shared>
      <None>6329</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>1821084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4193</Sole>
      <Shared>0</Shared>
      <None>3147</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>9230809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9800</Sole>
      <Shared>0</Shared>
      <None>27406</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>15090931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>58872</Sole>
      <Shared>0</Shared>
      <None>1954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>769606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>235851102</cusip>
    <value>15135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>855883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5955</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>101686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>102000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>229152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>64592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>346879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2050</Sole>
      <Shared>0</Shared>
      <None>372</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>75500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>17903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>3035978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21008</Sole>
      <Shared>0</Shared>
      <None>190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>1108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237194105</cusip>
    <value>2280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>6525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>52200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>107010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>21402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>261470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4683</Sole>
      <Shared>0</Shared>
      <None>326</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>8352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>14355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DARLING INGREDIENTS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>237266101</cusip>
    <value>188494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATA STORAGE CORP                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>23786R201</cusip>
    <value>51250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>5830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>147201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>147000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>318633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>85534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>939</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>95827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>578</Sole>
      <Shared>0</Shared>
      <None>474</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>26781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>10475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DATADOG INC                             </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>23804L103</cusip>
    <value>729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>3025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>23633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>69763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>738</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>20702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>127048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1154</Sole>
      <Shared>0</Shared>
      <None>190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>57664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>610</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DAVITA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23918K108</cusip>
    <value>15125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
    <titleOfClass>XTRACK HRVST CSI</titleOfClass>
    <cusip>233051879</cusip>
    <value>10320378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>396785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR                              </nameOfIssuer>
    <titleOfClass>XTRACK MSCI EURP    </titleOfClass>
    <cusip>233051853</cusip>
    <value>36822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR                              </nameOfIssuer>
    <titleOfClass>XTRACK MSCI EURP    </titleOfClass>
    <cusip>233051853</cusip>
    <value>209805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5920</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>7197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>51409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>51000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>179932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>38557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>69402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>76086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>4113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>243537107</cusip>
    <value>30845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>6039967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14960</Sole>
      <Shared>0</Shared>
      <None>1045</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>2618262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6901</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>1347000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>7925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>4151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>1317056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>345303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>522000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>103780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>9856033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>26117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>3125461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>8282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>4119480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>10904</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>7813275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19320</Sole>
      <Shared>0</Shared>
      <None>1384</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>399667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>674</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>63400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>7204184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13212</Sole>
      <Shared>0</Shared>
      <None>5878</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>244199105</cusip>
    <value>10567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEFINITIVE HEALTHCARE CORP              </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>24477E103</cusip>
    <value>319848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40031</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEFINITIVE HEALTHCARE CORP              </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>24477E103</cusip>
    <value>320000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40031</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEFINITIVE HEALTHCARE CORP              </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>24477E103</cusip>
    <value>3596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEFINITIVE HEALTHCARE CORP              </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>24477E103</cusip>
    <value>559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>24703L202</cusip>
    <value>38722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>24703L202</cusip>
    <value>105555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>24703L202</cusip>
    <value>106000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>24703L202</cusip>
    <value>14951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>24703L202</cusip>
    <value>1106258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15675</Sole>
      <Shared>0</Shared>
      <None>381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>24703L202</cusip>
    <value>57450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>24703L202</cusip>
    <value>830452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7575</Sole>
      <Shared>0</Shared>
      <None>4478</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>23680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>596</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>155363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3990</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>148000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>308580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>76405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>96191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>187220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2776</Sole>
      <Shared>0</Shared>
      <None>2284</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>4699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>247361702</cusip>
    <value>613904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13888</Sole>
      <Shared>0</Shared>
      <None>2704</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENISON MINES CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>248356107</cusip>
    <value>19569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>7754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>42461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>93223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>24014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>61898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>212988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5340</Sole>
      <Shared>0</Shared>
      <None>895</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>16807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>492</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>186548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DENTSPLY SIRONA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>24906P109</cusip>
    <value>348808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7791</Sole>
      <Shared>0</Shared>
      <None>2420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>55141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1148</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>220660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4378</Sole>
      <Shared>0</Shared>
      <None>248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>209000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>373777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7836</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>107468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>537245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9547</Sole>
      <Shared>0</Shared>
      <None>1716</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>276288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5792</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>90201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1455</Sole>
      <Shared>0</Shared>
      <None>436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25179M103</cusip>
    <value>4055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>428900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4556</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>244073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2568</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>222000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>461835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>128008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>158797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>3919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>724101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5698</Sole>
      <Shared>0</Shared>
      <None>2063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>171672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>7277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>660191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5597</Sole>
      <Shared>0</Shared>
      <None>1479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>223827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEXCOM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252131107</cusip>
    <value>10357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>985781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>132323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>132000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>14946</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>DIAGEO PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>2341231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15655</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>58479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>25243Q205</cusip>
    <value>552264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3295</Sole>
      <Shared>0</Shared>
      <None>407</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>180590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1119</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>212805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1291</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>200000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>355759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>99588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>0</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>125000</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>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>111823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>769289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4555</Sole>
      <Shared>0</Shared>
      <None>412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>57492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>337638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>741720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3915</Sole>
      <Shared>0</Shared>
      <None>874</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>409503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25278X109</cusip>
    <value>4492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDROCK HOSPITALITY CO              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252784301</cusip>
    <value>2080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDROCK HOSPITALITY CO              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252784301</cusip>
    <value>2481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDROCK HOSPITALITY CO              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252784301</cusip>
    <value>1718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAMONDROCK HOSPITALITY CO              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>252784301</cusip>
    <value>145849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>219332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>54290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>76006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>15744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>39197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>65644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>605</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253393102</cusip>
    <value>76766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>142441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>218199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1772</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>214000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1772</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>442933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>130339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>19488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>161</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>577386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3604</Sole>
      <Shared>0</Shared>
      <None>1167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>5579506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>46075</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>3164068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>25614</Sole>
      <Shared>0</Shared>
      <None>531</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>3185125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>26319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>2784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>4606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>207</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>2479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>3287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>176</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>221490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12599</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>532300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20317</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US CORE EQUITY 2    </titleOfClass>
    <cusip>25434V708</cusip>
    <value>55963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL     </titleOfClass>
    <cusip>25434V807</cusip>
    <value>5145736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>157748</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL     </titleOfClass>
    <cusip>25434V807</cusip>
    <value>39242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>WORLD EX US CORE    </titleOfClass>
    <cusip>25434V880</cusip>
    <value>2772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>WORLD EX US CORE    </titleOfClass>
    <cusip>25434V880</cusip>
    <value>217318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>467109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>835</Sole>
      <Shared>0</Shared>
      <None>4557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>6064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>275483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>71037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>334219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2603</Sole>
      <Shared>0</Shared>
      <None>1255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>103489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>1484059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10430</Sole>
      <Shared>0</Shared>
      <None>6701</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>2069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>9054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>7302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>5919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>21647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2104</Sole>
      <Shared>0</Shared>
      <None>1590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>1266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISH NETWORK CORPORATION                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25470M109</cusip>
    <value>11972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1690</Sole>
      <Shared>0</Shared>
      <None>353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>5733153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>62682</Sole>
      <Shared>0</Shared>
      <None>8054</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>3070498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>37185</Sole>
      <Shared>0</Shared>
      <None>699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>1569000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>2756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>13292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>16210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>1903297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23483</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>504698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>62639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>763000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>56735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>8692531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>100161</Sole>
      <Shared>0</Shared>
      <None>7088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>1368043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>14295</Sole>
      <Shared>0</Shared>
      <None>2584</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>3670998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>32848</Sole>
      <Shared>0</Shared>
      <None>12445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>639899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1678</Sole>
      <Shared>0</Shared>
      <None>6217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>11484542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>135672</Sole>
      <Shared>0</Shared>
      <None>6025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>7506932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>11690</Sole>
      <Shared>0</Shared>
      <None>80931</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>20532478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>192714</Sole>
      <Shared>0</Shared>
      <None>60617</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>9483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIVERSIFIED HEALTHCARE TR               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>25525P107</cusip>
    <value>545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIVERSIFIED HEALTHCARE TR               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>25525P107</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIVERSIFIED HEALTHCARE TR               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>25525P107</cusip>
    <value>69211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>35676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>1764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>56700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>107100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>28350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>12222</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>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>185514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3509</Sole>
      <Shared>0</Shared>
      <None>908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>17346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>363</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>30911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>50726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>21400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>45382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>77596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>30911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>1348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>776995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7342</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>242070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2243</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>142000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>296240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>83582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>100000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>236551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>1831</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>552382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3235</Sole>
      <Shared>0</Shared>
      <None>1986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>1058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>724624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6785</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256677105</cusip>
    <value>1693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>142430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>138000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>288692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>76963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>59506</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>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>251861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1985</Sole>
      <Shared>0</Shared>
      <None>381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>5748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>220458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1365</Sole>
      <Shared>0</Shared>
      <None>706</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256746108</cusip>
    <value>639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>2021764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37760</Sole>
      <Shared>0</Shared>
      <None>7500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>245283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5392</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>233000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>473189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>117527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>104808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>496954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8054</Sole>
      <Shared>0</Shared>
      <None>3071</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>205303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4589</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>2816622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>62775</Sole>
      <Shared>0</Shared>
      <None>279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>2859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25746U109</cusip>
    <value>7650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>681443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>1798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>113637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>114000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>170456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>49243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>42458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>102273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25754A201</cusip>
    <value>81440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>136635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>2251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>48726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>84092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>21172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>48845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>819</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>380682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2466</Sole>
      <Shared>0</Shared>
      <None>3917</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>15514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>159597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2614</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONALDSON INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>257651109</cusip>
    <value>305595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5095</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>6993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>121986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>119000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>307549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>87020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>278224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>1851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>30517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>384</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>31867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC                            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>25809K105</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>258278100</cusip>
    <value>208340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2714</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>258278100</cusip>
    <value>459106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6060</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>258278100</cusip>
    <value>459000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6060</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>258278100</cusip>
    <value>7349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>258278100</cusip>
    <value>36214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>478</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUGLAS EMMETT INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25960P109</cusip>
    <value>919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUGLAS EMMETT INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25960P109</cusip>
    <value>10208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUGLAS EMMETT INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25960P109</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUGLAS EMMETT INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25960P109</cusip>
    <value>1825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>124</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUGLAS EMMETT INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>25960P109</cusip>
    <value>116461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>2615115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18724</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>122769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>114000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>238562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>66686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>6652116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46932</Sole>
      <Shared>0</Shared>
      <None>750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>318362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1908</Sole>
      <Shared>0</Shared>
      <None>374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260003108</cusip>
    <value>9575408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>60783</Sole>
      <Shared>0</Shared>
      <None>7853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>4170792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78372</Sole>
      <Shared>0</Shared>
      <None>2520</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>3249157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>62854</Sole>
      <Shared>0</Shared>
      <None>163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>421000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>33514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>44135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>1207999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>120805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>52591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>1586000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>29985</Sole>
      <Shared>775</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>123486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>7931733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>153830</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>303482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>5526</Sole>
      <Shared>0</Shared>
      <None>360</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>2593416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>50105</Sole>
      <Shared>0</Shared>
      <None>194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>8387987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>160958</Sole>
      <Shared>0</Shared>
      <None>1726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>214712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2705</Sole>
      <Shared>0</Shared>
      <None>1459</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>1588873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>30812</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>99438049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1928589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1753325</Sole>
      <Shared>0</Shared>
      <None>175264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>260557103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>56000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>55936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>150733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>49165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>222655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5964</Sole>
      <Shared>0</Shared>
      <None>1599</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>18783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>638</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>17900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26154D100</cusip>
    <value>29744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26154D100</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26154D100</cusip>
    <value>285744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12537</Sole>
      <Shared>0</Shared>
      <None>317</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26154D100</cusip>
    <value>129223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>1824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>57183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>84413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>27094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>17373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>471</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>29300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>26210C104</cusip>
    <value>163</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>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>45935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>40000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>56889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>12436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>78948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>131612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>964</Sole>
      <Shared>0</Shared>
      <None>1523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>8414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>45967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>443</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>144850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>139000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>258128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>63539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>18338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>215537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1056</Sole>
      <Shared>0</Shared>
      <None>1115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>81012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>233331107</cusip>
    <value>2482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>2338007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25323</Sole>
      <Shared>0</Shared>
      <None>1167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>2386197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>26951</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>558000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>21888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>248</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>26037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>11739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>1350378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>226828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>73079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>828</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>1016000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11207</Sole>
      <Shared>300</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>81287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>921</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>5198073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>58894</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>201674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2147</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>1707037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19268</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>5177596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55550</Sole>
      <Shared>0</Shared>
      <None>3113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>446460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1098</Sole>
      <Shared>0</Shared>
      <None>3960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>1156736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13093</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>5421018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>55357</Sole>
      <Shared>0</Shared>
      <None>6064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>644033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>1589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>2610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>3500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>2400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>2386507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30612</Sole>
      <Shared>0</Shared>
      <None>1383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>228618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2930</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>219000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>440976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5912</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>129264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>52213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>2701202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35353</Sole>
      <Shared>0</Shared>
      <None>861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>58330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>782</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>465367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>125858243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1687334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1525563</Sole>
      <Shared>0</Shared>
      <None>161771</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26614N102</cusip>
    <value>1045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>14477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>34078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1528</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>58866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>12206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>1125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>97234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3145</Sole>
      <Shared>0</Shared>
      <None>1523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>23355L106</cusip>
    <value>56074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>687</Sole>
      <Shared>0</Shared>
      <None>2005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>14767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>284</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>51403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>51000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>127246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>38786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>3178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>397672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7715</Sole>
      <Shared>0</Shared>
      <None>795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>149957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>185051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNATRACE INC                           </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>268150109</cusip>
    <value>240660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5102</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>444608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>42130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>33000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>66608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>24978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>206318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1127</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>38493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>9991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>94417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAGLE MATLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26969P108</cusip>
    <value>2332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>77642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>26355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>115000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>115013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>1687</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>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>338451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5452</Sole>
      <Shared>0</Shared>
      <None>969</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>337713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27579R104</cusip>
    <value>660351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12521</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTERLY GOVT PPTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27616P103</cusip>
    <value>97612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8502</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTERLY GOVT PPTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27616P103</cusip>
    <value>5166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>382</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTERLY GOVT PPTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>27616P103</cusip>
    <value>101533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>55954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>49959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>83265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>27477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>103000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>102582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>238971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>8005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>318572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>465618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTGROUP PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277276101</cusip>
    <value>650133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>185586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1419</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>61376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>61000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>115080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>24167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>40125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>523</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>230620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2266</Sole>
      <Shared>0</Shared>
      <None>740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>46906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>2839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>277432100</cusip>
    <value>308645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3991</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>1190529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5540</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>1337692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6205</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>523000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>1104364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>296246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>993000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>189393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>888</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>13753361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>62693</Sole>
      <Shared>0</Shared>
      <None>1792</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>673576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>3076991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14427</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>7858941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>32725</Sole>
      <Shared>0</Shared>
      <None>4123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>3626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>184825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4114</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>148098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3270</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>144000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>292758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>86372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>146976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3334</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>506418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5884</Sole>
      <Shared>0</Shared>
      <None>5602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>598478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11993</Sole>
      <Shared>0</Shared>
      <None>1581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278642103</cusip>
    <value>1191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>2982626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15795</Sole>
      <Shared>0</Shared>
      <None>1812</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>457888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2602</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>254000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>29645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>542080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>146531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>534000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>562069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2156</Sole>
      <Shared>0</Shared>
      <None>1162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>71826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>352352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>2051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>6335391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>34004</Sole>
      <Shared>0</Shared>
      <None>3395</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>282046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1419</Sole>
      <Shared>0</Shared>
      <None>241</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>214969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1234</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>278865100</cusip>
    <value>2721072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14636</Sole>
      <Shared>0</Shared>
      <None>1427</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOPETROL S A                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>279158109</cusip>
    <value>427117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>36884</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDGEWELL PERS CARE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28035Q102</cusip>
    <value>1220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDGEWELL PERS CARE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28035Q102</cusip>
    <value>2624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDGEWELL PERS CARE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28035Q102</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDGEWELL PERS CARE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28035Q102</cusip>
    <value>317339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>8500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>65189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1012</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>145061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>142000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>297463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>80695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>651887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9812</Sole>
      <Shared>0</Shared>
      <None>488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>36689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>574</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>2215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>138985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1395</Sole>
      <Shared>0</Shared>
      <None>801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>281020107</cusip>
    <value>444106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7017</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>2323513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33446</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>366560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4786</Sole>
      <Shared>0</Shared>
      <None>505</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>270000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>524172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7566</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>139184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>79000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>339195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>4696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>118746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1714</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>579042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>0</Shared>
      <None>8242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>1095386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13723</Sole>
      <Shared>0</Shared>
      <None>2088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>523134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1863</Sole>
      <Shared>0</Shared>
      <None>5688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>19676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28176E108</cusip>
    <value>614167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7882</Sole>
      <Shared>0</Shared>
      <None>983</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>3462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>161</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>27538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>65192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>19782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>134206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6873</Sole>
      <Shared>0</Shared>
      <None>5067</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>47445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>1102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>7486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELANCO ANIMAL HEALTH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28414H103</cusip>
    <value>4710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>2518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>32496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>85302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>17467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>47038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>401</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>11942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>3470891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28812</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>2179601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17694</Sole>
      <Shared>0</Shared>
      <None>409</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>1975000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>2408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>410564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>114260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>949</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>1932000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>539994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>344</Sole>
      <Shared>0</Shared>
      <None>4141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>182286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1514</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>890599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>7295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>764179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5048</Sole>
      <Shared>0</Shared>
      <None>1299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>202033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1170</Sole>
      <Shared>0</Shared>
      <None>508</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>1337524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10148</Sole>
      <Shared>0</Shared>
      <None>961</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>285512109</cusip>
    <value>54782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>232300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>25493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>50006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>21865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>112385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5635</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>135315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>118</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>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>214298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEMENT SOLUTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>28618M106</cusip>
    <value>7433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>1718603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3938</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>4016750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9198</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>1628000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>9579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>1310614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>355738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>160320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>1242000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>53557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>11935298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>27409</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>206825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>3182049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>7308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>9950218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21886</Sole>
      <Shared>0</Shared>
      <None>966</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>1789418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>44848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>3447656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7060</Sole>
      <Shared>0</Shared>
      <None>858</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>036752103</cusip>
    <value>5226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>38811402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>72098</Sole>
      <Shared>0</Shared>
      <None>159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>2860754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5240</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>2815000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>5790261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>1557140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>456561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>69000</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>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>23097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>21813386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>37379</Sole>
      <Shared>0</Shared>
      <None>3232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>4598284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>8426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>3166381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5880</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>33621652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>59341</Sole>
      <Shared>0</Shared>
      <None>3254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>944812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>532457108</cusip>
    <value>41897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELME COMMUNITIES                        </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>939653101</cusip>
    <value>11717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELME COMMUNITIES                        </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>939653101</cusip>
    <value>71364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELME COMMUNITIES                        </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>939653101</cusip>
    <value>40920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELME COMMUNITIES                        </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>939653101</cusip>
    <value>116390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8533</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMCOR GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29084Q100</cusip>
    <value>421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMCOR GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29084Q100</cusip>
    <value>115715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMCOR GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29084Q100</cusip>
    <value>38922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMCOR GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29084Q100</cusip>
    <value>16410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMCOR GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29084Q100</cusip>
    <value>2315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMCOR GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29084Q100</cusip>
    <value>553326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>10671371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>104498</Sole>
      <Shared>0</Shared>
      <None>6006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>351515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>352000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>718481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>180682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1871</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>109221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>8467258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>85623</Sole>
      <Shared>0</Shared>
      <None>2057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>198389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1069</Sole>
      <Shared>0</Shared>
      <None>985</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>10144099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>45705</Sole>
      <Shared>0</Shared>
      <None>59339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>291011104</cusip>
    <value>25197527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>246414</Sole>
      <Shared>0</Shared>
      <None>14511</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMPIRE ST RLTY TR INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>292104106</cusip>
    <value>5628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMPIRE ST RLTY TR INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>292104106</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMPIRE ST RLTY TR INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>292104106</cusip>
    <value>1005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMPIRE ST RLTY TR INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>292104106</cusip>
    <value>1656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMPIRE ST RLTY TR INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>292104106</cusip>
    <value>133158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29250N105</cusip>
    <value>274249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8263</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29250N105</cusip>
    <value>1113259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29250N105</cusip>
    <value>31693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29250N105</cusip>
    <value>73483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29250N105</cusip>
    <value>7961153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>239866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>238919</Sole>
      <Shared>0</Shared>
      <None>947</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>12816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>29000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>29445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>71577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2129</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>22428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>89456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29272W109</cusip>
    <value>399443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3967</Sole>
      <Shared>0</Shared>
      <None>8500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P                     </nameOfIssuer>
    <titleOfClass>COM UT LTD PTN      </titleOfClass>
    <cusip>29273V100</cusip>
    <value>33953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P                     </nameOfIssuer>
    <titleOfClass>COM UT LTD PTN      </titleOfClass>
    <cusip>29273V100</cusip>
    <value>1076368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>76719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P                     </nameOfIssuer>
    <titleOfClass>COM UT LTD PTN      </titleOfClass>
    <cusip>29273V100</cusip>
    <value>1053162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>75065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29275Y102</cusip>
    <value>3787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29275Y102</cusip>
    <value>7763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29275Y102</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29275Y102</cusip>
    <value>151377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1420</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29275Y102</cusip>
    <value>8331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29275Y102</cusip>
    <value>78103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>1442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>114623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>102000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>204255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>59474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>112460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>2763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>148505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>518</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>21027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>160280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1189</Sole>
      <Shared>0</Shared>
      <None>145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>6534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>1452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>2420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>392766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>342114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3631</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>2035218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>20672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>2035000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>20672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>183125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>47894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>30991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>86961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>652</Sole>
      <Shared>0</Shared>
      <None>274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
    <value>46485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>35058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>124875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>125000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>245125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>61975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>14800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>273985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1793</Sole>
      <Shared>0</Shared>
      <None>1169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>146798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1311</Sole>
      <Shared>0</Shared>
      <None>276</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29364G103</cusip>
    <value>1295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>545949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16329</Sole>
      <Shared>0</Shared>
      <None>3618</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>457572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>30518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>19132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>458000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>71326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>6950475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>253945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>78818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2880</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>221150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>7899228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>284055</Sole>
      <Shared>0</Shared>
      <None>4554</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>7196926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56743</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>7683431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>60581</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>4441000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>35035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>13310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>15211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>941827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>254154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>173974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>4015000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>31675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>190647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>20705866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>163330</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>5271061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>41583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>8030373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>63294</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>12640254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>96649</Sole>
      <Shared>0</Shared>
      <None>3069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>374849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1680</Sole>
      <Shared>0</Shared>
      <None>1277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>8219499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2228</Sole>
      <Shared>0</Shared>
      <None>62615</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>5645510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22741</Sole>
      <Shared>0</Shared>
      <None>21796</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RES INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26875P101</cusip>
    <value>78718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>621</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>26592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>259525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>89000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>11506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>178983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>47303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>170000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>1433910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5292</Sole>
      <Shared>0</Shared>
      <None>316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>13808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>333931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>1210948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4626</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPAM SYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29414B104</cusip>
    <value>17387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>2409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>16616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>41540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>9970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>1422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>49100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1048</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>1371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>24633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>548</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPR PPTYS                               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>26884U109</cusip>
    <value>274870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>2232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>106482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2624</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>106000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2624</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>176523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>51699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>152378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3370</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>17855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQT CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26884L109</cusip>
    <value>50847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1081</Sole>
      <Shared>0</Shared>
      <None>172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>578299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>149841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>145000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>294920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>83347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>180799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>811</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>2023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>266710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1183</Sole>
      <Shared>0</Shared>
      <None>273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUIFAX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>294429105</cusip>
    <value>916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>2823699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3879</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>2687162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3685</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>2585000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>2905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>879501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>226593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>2224000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>25419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>592628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>551</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>176222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>189</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>9441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>1392240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1765</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>6002539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29444U700</cusip>
    <value>65364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINOR ASA                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>29446M102</cusip>
    <value>141227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4246</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINOR ASA                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>29446M102</cusip>
    <value>37577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINOR ASA                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>29446M102</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINOR ASA                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>29446M102</cusip>
    <value>126143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2044</Sole>
      <Shared>0</Shared>
      <None>1803</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINOR ASA                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>29446M102</cusip>
    <value>1312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITABLE HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29452E101</cusip>
    <value>8006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITABLE HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29452E101</cusip>
    <value>137493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4843</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITABLE HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29452E101</cusip>
    <value>32790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITABLE HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29452E101</cusip>
    <value>34813</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>EQUITABLE HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29452E101</cusip>
    <value>149189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4243</Sole>
      <Shared>0</Shared>
      <None>1012</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITABLE HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29452E101</cusip>
    <value>19362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>499</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY COMWLTH                          </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>294628102</cusip>
    <value>11941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY COMWLTH                          </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>294628102</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY COMWLTH                          </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>294628102</cusip>
    <value>4997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY COMWLTH                          </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>294628102</cusip>
    <value>178171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>71483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>195653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>64000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>159275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>44278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>428000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>311032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>2559995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39735</Sole>
      <Shared>0</Shared>
      <None>447</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>7201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>178515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2802</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>1157611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18087</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29472R108</cusip>
    <value>986167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>36283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>606</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>146775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>147000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>287679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>74914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>1233</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>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>140434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1712</Sole>
      <Shared>0</Shared>
      <None>680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>33523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL                      </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>29476L107</cusip>
    <value>1770459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>30156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ERICSSON                                </nameOfIssuer>
    <titleOfClass>ADR B SEK 10        </titleOfClass>
    <cusip>294821608</cusip>
    <value>1312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ERICSSON                                </nameOfIssuer>
    <titleOfClass>ADR B SEK 10        </titleOfClass>
    <cusip>294821608</cusip>
    <value>11159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ERICSSON                                </nameOfIssuer>
    <titleOfClass>ADR B SEK 10        </titleOfClass>
    <cusip>294821608</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ERICSSON                                </nameOfIssuer>
    <titleOfClass>ADR B SEK 10        </titleOfClass>
    <cusip>294821608</cusip>
    <value>13710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>373</Sole>
      <Shared>0</Shared>
      <None>2448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ERICSSON                                </nameOfIssuer>
    <titleOfClass>ADR B SEK 10        </titleOfClass>
    <cusip>294821608</cusip>
    <value>22210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>1570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>1264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>14044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>45573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>11797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>34689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>266</Sole>
      <Shared>0</Shared>
      <None>228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>76811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1093</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29605J106</cusip>
    <value>3441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESCO TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>296315104</cusip>
    <value>6058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESCO TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>296315104</cusip>
    <value>10653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESCO TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>296315104</cusip>
    <value>627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESCO TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>296315104</cusip>
    <value>270082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL PPTYS RLTY TR INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670E107</cusip>
    <value>3764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL PPTYS RLTY TR INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670E107</cusip>
    <value>65000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL PPTYS RLTY TR INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670E107</cusip>
    <value>65279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL PPTYS RLTY TR INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670E107</cusip>
    <value>144834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6588</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL PPTYS RLTY TR INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670E107</cusip>
    <value>193891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL PPTYS RLTY TR INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670E107</cusip>
    <value>277210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12816</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL PPTYS RLTY TR INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670E107</cusip>
    <value>282964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>1236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>60352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>55000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>99557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>32099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>5000</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>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>41897</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>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>591987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14975</Sole>
      <Shared>0</Shared>
      <None>2269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>895395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26073</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29670G102</cusip>
    <value>1030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>95441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>95000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>174550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>47720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>87381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>1060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>71262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>1202338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>297178105</cusip>
    <value>1273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>2067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>46756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>103328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>31967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>88927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>686</Sole>
      <Shared>0</Shared>
      <None>691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>18406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETSY INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29786A106</cusip>
    <value>51599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>618</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>7859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>6509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>52788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>15876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>133597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1625</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>6827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EURONET WORLDWIDE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>298736109</cusip>
    <value>72236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>897</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERCORE INC                            </nameOfIssuer>
    <titleOfClass>CLASS A             </titleOfClass>
    <cusip>29977A105</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERCORE INC                            </nameOfIssuer>
    <titleOfClass>CLASS A             </titleOfClass>
    <cusip>29977A105</cusip>
    <value>62046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERCORE INC                            </nameOfIssuer>
    <titleOfClass>CLASS A             </titleOfClass>
    <cusip>29977A105</cusip>
    <value>22750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERCORE INC                            </nameOfIssuer>
    <titleOfClass>CLASS A             </titleOfClass>
    <cusip>29977A105</cusip>
    <value>159527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERCORE INC                            </nameOfIssuer>
    <titleOfClass>CLASS A             </titleOfClass>
    <cusip>29977A105</cusip>
    <value>37917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERCORE INC                            </nameOfIssuer>
    <titleOfClass>CLASS A             </titleOfClass>
    <cusip>29977A105</cusip>
    <value>22199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERCORE INC                            </nameOfIssuer>
    <titleOfClass>CLASS A             </titleOfClass>
    <cusip>29977A105</cusip>
    <value>13926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>37539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>100351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>52034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>173198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>313</Sole>
      <Shared>0</Shared>
      <None>153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>758630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2041</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>1858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>69502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>8177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>65859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>66000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>136890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>30420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>102363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1938</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>85466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>26567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>7846332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>153982</Sole>
      <Shared>0</Shared>
      <None>778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERGY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034W106</cusip>
    <value>1521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034T103</cusip>
    <value>4019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034T103</cusip>
    <value>756065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>627</Sole>
      <Shared>0</Shared>
      <None>56564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034T103</cusip>
    <value>748000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034T103</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>627</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034T103</cusip>
    <value>141547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034T103</cusip>
    <value>8910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERI HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30034T103</cusip>
    <value>84542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>84666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1441</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>122115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>122000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>252953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>61930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>6629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>987154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13406</Sole>
      <Shared>0</Shared>
      <None>3570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>353901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>11630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>246789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4126</Sole>
      <Shared>0</Shared>
      <None>118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>249115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30040W108</cusip>
    <value>2094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>2183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>71699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>156906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>42638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>2593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>60170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>591</Sole>
      <Shared>0</Shared>
      <None>291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>22990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>281</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>199475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXACT SCIENCES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30063P105</cusip>
    <value>751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161Q104</cusip>
    <value>656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161Q104</cusip>
    <value>38238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161Q104</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161Q104</cusip>
    <value>91770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161Q104</cusip>
    <value>26766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELIXIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161Q104</cusip>
    <value>1027</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>EXELIXIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161Q104</cusip>
    <value>44793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1918</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>676139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17770</Sole>
      <Shared>0</Shared>
      <None>122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>246806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6400</Sole>
      <Shared>0</Shared>
      <None>131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>242000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>476154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>120928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>467651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8390</Sole>
      <Shared>0</Shared>
      <None>3985</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>41793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>1776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>1448717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>35598</Sole>
      <Shared>0</Shared>
      <None>2738</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>560841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30161N101</cusip>
    <value>907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>46588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>431</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>310550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>204000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>3814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>196039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1902</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>52566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>36693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>1971317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>19124</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>1442980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>14000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>1238901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>12000</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>701598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6321</Sole>
      <Shared>0</Shared>
      <None>486</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>12575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>30212P303</cusip>
    <value>380225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3325</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>1870647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11400</Sole>
      <Shared>0</Shared>
      <None>4919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>117725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>109000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>226967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>60754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>763092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5026</Sole>
      <Shared>0</Shared>
      <None>1631</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>76688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>3324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>109242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>479</Sole>
      <Shared>0</Shared>
      <None>474</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>468264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302130109</cusip>
    <value>688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPONENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30214U102</cusip>
    <value>285733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPONENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30214U102</cusip>
    <value>65056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPONENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30214U102</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPONENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30214U102</cusip>
    <value>171</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>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>12158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>164133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1325</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>161000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>329725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>86565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>6828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>2739441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22278</Sole>
      <Shared>0</Shared>
      <None>254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>94346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>357</Sole>
      <Shared>0</Shared>
      <None>419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30225T102</cusip>
    <value>2268926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>42198404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>305721</Sole>
      <Shared>0</Shared>
      <None>53170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>6037733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50965</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>3215000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>27340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>38801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>71489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>23516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>6883486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>58543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>1583215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>13465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>452683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>1384000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11382</Sole>
      <Shared>390</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>143095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>8636839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>73452</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>357561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2858</Sole>
      <Shared>0</Shared>
      <None>183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>2922333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>24756</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>78037611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>649245</Sole>
      <Shared>0</Shared>
      <None>14453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>2918563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1440</Sole>
      <Shared>0</Shared>
      <None>23382</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>18345184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>54111</Sole>
      <Shared>0</Shared>
      <None>101912</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>79033631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>672169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>614567</Sole>
      <Shared>0</Shared>
      <None>57602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>217170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>25986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>10432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>14670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>8006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>742</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>45858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>13272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>51576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>104944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5522</Sole>
      <Shared>0</Shared>
      <None>4204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>21299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1446</Sole>
      <Shared>0</Shared>
      <None>528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>4995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>54788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>55000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>122950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>36579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>179510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>616</Sole>
      <Shared>0</Shared>
      <None>498</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>13375</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>F5 INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>315616102</cusip>
    <value>75252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>3061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>88764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>236120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>63403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>268000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>179714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>1907328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3887</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>107073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303075105</cusip>
    <value>1547463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3491</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>1737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</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>142439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>87000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>260559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>78168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>309000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>253611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>1393122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1567</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>160679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>950172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1064</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>303250104</cusip>
    <value>6949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>5810582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100080</Sole>
      <Shared>0</Shared>
      <None>6263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>2594307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>47480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>2501000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>45765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>4262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>387398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>109116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>2368000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>43336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>26173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>1093456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10991</Sole>
      <Shared>0</Shared>
      <None>9021</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>536734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8767</Sole>
      <Shared>0</Shared>
      <None>1056</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>4259352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>76751</Sole>
      <Shared>0</Shared>
      <None>1202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>235717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>311900104</cusip>
    <value>76934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1408</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL AGRIC MTG CORP                  </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>313148306</cusip>
    <value>89000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL AGRIC MTG CORP                  </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>313148306</cusip>
    <value>89031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL AGRIC MTG CORP                  </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>313148306</cusip>
    <value>197350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL AGRIC MTG CORP                  </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>313148306</cusip>
    <value>268328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL AGRIC MTG CORP                  </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>313148306</cusip>
    <value>384207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>68426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>72504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>73000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>94980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>23564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>75042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>668</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>10060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>589004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR NEW                </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW      </titleOfClass>
    <cusip>313745101</cusip>
    <value>1813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL SIGNAL CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>313855108</cusip>
    <value>232768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3780</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDERAL SIGNAL CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>313855108</cusip>
    <value>15828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>1317182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4963</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>2000941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7529</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>678000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>11127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>797409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>214585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>184288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>696</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>1046000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>107028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>5739757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>21663</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>4170371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>15742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>3634437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>13696</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>11606675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>43229</Sole>
      <Shared>0</Shared>
      <None>583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>355246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>1545013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5827</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31428X106</cusip>
    <value>5531795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>19784</Sole>
      <Shared>0</Shared>
      <None>1097</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>27960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>259534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>17434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>435846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>115129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>260000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>2152583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13057</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>505252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERGUSON PLC NEW                        </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3421J106</cusip>
    <value>2028573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12157</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>55857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>332778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1047</Sole>
      <Shared>0</Shared>
      <None>79</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>20983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>338000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>5024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>3300295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11020</Sole>
      <Shared>0</Shared>
      <None>147</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>14509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>896077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>3159323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10520</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>29240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>131788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>30066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>728</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>109000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>109156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>267500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6267</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>14703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>351546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8466</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>522817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12543</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL             </nameOfIssuer>
    <titleOfClass>FNF GROUP COM       </titleOfClass>
    <cusip>31620R303</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>9728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>2653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>408998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>117780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>67293</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>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>170287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2222</Sole>
      <Shared>0</Shared>
      <None>859</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>2211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>847565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13751</Sole>
      <Shared>0</Shared>
      <None>1584</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>31620M106</cusip>
    <value>4477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>223335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8781</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>5927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>211506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>66365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>27172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>303428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7973</Sole>
      <Shared>0</Shared>
      <None>4006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>255048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7482</Sole>
      <Shared>0</Shared>
      <None>2587</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>316773100</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST BUSEY CORP                        </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>319383204</cusip>
    <value>1903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST BUSEY CORP                        </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>319383204</cusip>
    <value>9091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>124</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST BUSEY CORP                        </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>319383204</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST BUSEY CORP                        </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>319383204</cusip>
    <value>365180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>19000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>31946M103</cusip>
    <value>207015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>31946M103</cusip>
    <value>48304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>31946M103</cusip>
    <value>146493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>31946M103</cusip>
    <value>147671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>31946M103</cusip>
    <value>1380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>31946M103</cusip>
    <value>104888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>31946M103</cusip>
    <value>302242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32051X108</cusip>
    <value>5072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32051X108</cusip>
    <value>31588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32051X108</cusip>
    <value>9837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32051X108</cusip>
    <value>59312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1983</Sole>
      <Shared>0</Shared>
      <None>1303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32051X108</cusip>
    <value>182865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>4606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>4364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>71079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>13059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>49157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4417</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>74947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3405</Sole>
      <Shared>0</Shared>
      <None>3396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>4188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>320517105</cusip>
    <value>2227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>4283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>35693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>36000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>83283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>25699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>7805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>38548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>697</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>4711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>559325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>32054K103</cusip>
    <value>8567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>126040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>126000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>226226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>58172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>83542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>5495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>3555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>386200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2342</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD             </nameOfIssuer>
    <titleOfClass>NASDAQ CYB ETF      </titleOfClass>
    <cusip>33734X846</cusip>
    <value>201527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1356</Sole>
      <Shared>0</Shared>
      <None>3080</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>NASD TECH DIV       </titleOfClass>
    <cusip>33738R118</cusip>
    <value>33654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>600</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>270971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>DORSEY WRT 5 ETF    </titleOfClass>
    <cusip>33738R605</cusip>
    <value>25694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>DORSEY WRT 5 ETF    </titleOfClass>
    <cusip>33738R605</cusip>
    <value>223804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5052</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>500942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14597</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>121271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3350</Sole>
      <Shared>0</Shared>
      <None>198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>115000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>230715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>56602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>74239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>2970550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>86388</Sole>
      <Shared>0</Shared>
      <None>521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>24063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>704</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>18218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>533</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>1584311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>43897</Sole>
      <Shared>0</Shared>
      <None>2455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337932107</cusip>
    <value>1573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>2748543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24263</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>103923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>866</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>865274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>224000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1983</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>9037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>115000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>11409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>4202790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32659</Sole>
      <Shared>0</Shared>
      <None>4547</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>496235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3595</Sole>
      <Shared>0</Shared>
      <None>798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>5224061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>46135</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>3963089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>33074</Sole>
      <Shared>0</Shared>
      <None>2010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISKER INC                              </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>33813J106</cusip>
    <value>610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISKER INC                              </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>33813J106</cusip>
    <value>62447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9727</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISKER INC                              </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>33813J106</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISKER INC                              </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>33813J106</cusip>
    <value>1746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>524373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>56315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>56000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>101045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>26549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>131616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>568</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE BELOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>33829M101</cusip>
    <value>2896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>1350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>48547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>729</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>57420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>12217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>126000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>101658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>565583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8550</Sole>
      <Shared>0</Shared>
      <None>246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>2122</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>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>1157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIVE9 INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>338307101</cusip>
    <value>315199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4747</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>339041105</cusip>
    <value>9958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>339041105</cusip>
    <value>242573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>339041105</cusip>
    <value>61282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>339041105</cusip>
    <value>7663009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29663</Sole>
      <Shared>0</Shared>
      <None>348</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>339041105</cusip>
    <value>29109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>339041105</cusip>
    <value>70474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>339041105</cusip>
    <value>532384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR                           </nameOfIssuer>
    <titleOfClass>FLEXSHARES ULTRA    </titleOfClass>
    <cusip>33939L886</cusip>
    <value>219396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>339750101</cusip>
    <value>54300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</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>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</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>123080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1360</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>33033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>365</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>75115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>334</Sole>
      <Shared>0</Shared>
      <None>496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>339750101</cusip>
    <value>8688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>339750101</cusip>
    <value>2172</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>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>66895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>25507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>51014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>10425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>26166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>132836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1133</Sole>
      <Shared>0</Shared>
      <None>4856</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>3837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>343498101</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>166420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>50228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>97107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>27123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>9041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>698296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9964</Sole>
      <Shared>0</Shared>
      <None>463</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>4851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>3417144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>302370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4126</Sole>
      <Shared>0</Shared>
      <None>389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>340810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5089</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>167981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13035</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>304079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24230</Sole>
      <Shared>0</Shared>
      <None>253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>301000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>625968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>50400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>161025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>12965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>466396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20461</Sole>
      <Shared>0</Shared>
      <None>17091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>78946</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>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>1281111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>92425</Sole>
      <Shared>0</Shared>
      <None>10724</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>345370860</cusip>
    <value>2261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORRESTER RESH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>346563109</cusip>
    <value>831000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORRESTER RESH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>346563109</cusip>
    <value>830933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORRESTER RESH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>346563109</cusip>
    <value>1734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORRESTER RESH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>346563109</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>47707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>743</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>240412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4050</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>238000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>489978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>131737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>151160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>890997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11869</Sole>
      <Shared>0</Shared>
      <None>3315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>16782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>443269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4955</Sole>
      <Shared>0</Shared>
      <None>2599</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959E109</cusip>
    <value>1820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>349553107</cusip>
    <value>334540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>349553107</cusip>
    <value>288344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>432279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5764</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>161298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>161000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>336686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>98781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>76459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1031</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>2323210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29368</Sole>
      <Shared>0</Shared>
      <None>1959</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>34262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>458</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>1341925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17957</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34959J108</cusip>
    <value>891477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>218342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7618</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>18298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>18784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>9778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>342</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>3000</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>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>125482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4225</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>46316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1332</Sole>
      <Shared>0</Shared>
      <None>288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>143550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>133887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3519</Sole>
      <Shared>0</Shared>
      <None>1164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>34965K107</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>9324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>9697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>93862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>107181</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>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>142160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2263</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>421196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6731</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>34964C106</cusip>
    <value>809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>3240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>50105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>112348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4959</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>2486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>155641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>276887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35086T109</cusip>
    <value>170752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>1622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>61121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>61000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>110011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>49015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>1033</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>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>80527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1269</Sole>
      <Shared>0</Shared>
      <None>1312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>35137L105</cusip>
    <value>104364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1316</Sole>
      <Shared>0</Shared>
      <None>2029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX FACTORY HLDG CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35138V102</cusip>
    <value>104034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX FACTORY HLDG CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35138V102</cusip>
    <value>104000</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>FOX FACTORY HLDG CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35138V102</cusip>
    <value>1066893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10706</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX FACTORY HLDG CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35138V102</cusip>
    <value>440807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR               </nameOfIssuer>
    <titleOfClass>FTSE BRAZIL         </titleOfClass>
    <cusip>35473P835</cusip>
    <value>240321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>4001068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>107246</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>2475795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>66056</Sole>
      <Shared>0</Shared>
      <None>337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>2380000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>63825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>2536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>684272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>179551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>2108000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>56534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>23418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>391284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8540</Sole>
      <Shared>0</Shared>
      <None>1953</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>254605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3784</Sole>
      <Shared>0</Shared>
      <None>3044</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>353024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5490</Sole>
      <Shared>0</Shared>
      <None>3977</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>35671D857</cusip>
    <value>73201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1963</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35905A109</cusip>
    <value>4313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35905A109</cusip>
    <value>323979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>10096</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35905A109</cusip>
    <value>324000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>10096</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35905A109</cusip>
    <value>12236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35905A109</cusip>
    <value>19211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>466</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35905A109</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTDOOR INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35905A109</cusip>
    <value>1621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>3506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>22192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>39125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>11894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>4852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>59736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2308</Sole>
      <Shared>0</Shared>
      <None>1509</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>12457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>722</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS PARE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>35909D109</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>733444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>3911</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>733000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>3911</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>80285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>21409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>2855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>13381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>441386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>3926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULLER H B CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>359694106</cusip>
    <value>6244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULLER H B CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>359694106</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULLER H B CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>359694106</cusip>
    <value>49262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULLER H B CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>359694106</cusip>
    <value>117529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1633</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULLER H B CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>359694106</cusip>
    <value>156499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FULLER H B CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>359694106</cusip>
    <value>302158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>6411443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27906</Sole>
      <Shared>0</Shared>
      <None>223</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>2497201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10956</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>2399000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>5698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>610852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>170948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>2468000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>28035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>386565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>907</Sole>
      <Shared>0</Shared>
      <None>789</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>2261521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9089</Sole>
      <Shared>0</Shared>
      <None>833</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>2560794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10928</Sole>
      <Shared>0</Shared>
      <None>307</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>1418408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>363576109</cusip>
    <value>73394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>70056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1518</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>74520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>75000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1636</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>146170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>39856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>5466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>441243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9141</Sole>
      <Shared>0</Shared>
      <None>546</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>14485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>1230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>32022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>1051613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23087</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>73850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>689</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>133499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>110000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>193568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>52074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>34506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>1463332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13446</Sole>
      <Shared>0</Shared>
      <None>464</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>17353</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>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>47550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>412</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>1081982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9281</Sole>
      <Shared>0</Shared>
      <None>1004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>37030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>1023958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2971</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>457001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>172000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>343610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>94493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>348000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>67004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>3307933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9373</Sole>
      <Shared>0</Shared>
      <None>254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>80405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>714022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2078</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>1283727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2824</Sole>
      <Shared>0</Shared>
      <None>912</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>584137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>120001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>16254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>13932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>2903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>63530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4922</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>34424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2965</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>361448103</cusip>
    <value>3591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>361448103</cusip>
    <value>6856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>361448103</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>361448103</cusip>
    <value>124828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1112</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>361448103</cusip>
    <value>41029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>377</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>361448103</cusip>
    <value>8053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>361448103</cusip>
    <value>78140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>243107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3431</Sole>
      <Shared>0</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>151457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2192</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>149000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>329994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>88112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>169571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>833</Sole>
      <Shared>0</Shared>
      <None>1659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>237936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2561</Sole>
      <Shared>0</Shared>
      <None>936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>1596491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18280</Sole>
      <Shared>0</Shared>
      <None>5184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36266G107</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>4420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>56930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>122346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>29561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1672</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>53009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>47259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1675</Sole>
      <Shared>0</Shared>
      <None>998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>46622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2482</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GEN DIGITAL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>668771108</cusip>
    <value>1097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>64722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>42385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>75945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>23426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>51974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>102</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>28875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>3496526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>100243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>337</Sole>
      <Shared>0</Shared>
      <None>583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>368736104</cusip>
    <value>872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>2108938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9291</Sole>
      <Shared>0</Shared>
      <None>253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>475527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>325000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>27621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>702685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>187825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>483000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>350900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>4100540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17897</Sole>
      <Shared>0</Shared>
      <None>660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>57764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>258093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>3387691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14524</Sole>
      <Shared>0</Shared>
      <None>807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>92586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>369550108</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>3048195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27145</Sole>
      <Shared>0</Shared>
      <None>428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>815638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6776</Sole>
      <Shared>0</Shared>
      <None>602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>749000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>1527248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>411135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>67000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>16472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>3835532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32660</Sole>
      <Shared>0</Shared>
      <None>2035</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>925827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2503</Sole>
      <Shared>0</Shared>
      <None>5867</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>14169636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>111028</Sole>
      <Shared>0</Shared>
      <None>17146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO                     </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>369604301</cusip>
    <value>1990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>2591019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39925</Sole>
      <Shared>0</Shared>
      <None>566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>238555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3650</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>234000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>470327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>125100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>2033090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29119</Sole>
      <Shared>0</Shared>
      <None>2653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>122612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1916</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>18109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>8653752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>128579</Sole>
      <Shared>0</Shared>
      <None>6657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>84915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>370334104</cusip>
    <value>640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>63171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1879</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>282883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>283000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>593460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>150838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>37845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>266991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4161</Sole>
      <Shared>0</Shared>
      <None>3937</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>542258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12116</Sole>
      <Shared>0</Shared>
      <None>4331</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37045V100</cusip>
    <value>1583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENMAB A/S                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>372303206</cusip>
    <value>5820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENMAB A/S                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>372303206</cusip>
    <value>52270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENMAB A/S                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>372303206</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENMAB A/S                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>372303206</cusip>
    <value>65955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1474</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENMAB A/S                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>372303206</cusip>
    <value>177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENMAB A/S                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>372303206</cusip>
    <value>113393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1547</Sole>
      <Shared>0</Shared>
      <None>1668</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>43440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>81269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>21901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>7385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>193</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>36247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>1106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>56099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1460</Sole>
      <Shared>0</Shared>
      <None>264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>48000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>92088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>27008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>69636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1149</Sole>
      <Shared>0</Shared>
      <None>991</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>5662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>174</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>4881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>476451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14554</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENTEX CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>371901109</cusip>
    <value>1237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>1526819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10559</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>116948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>117000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>248334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>73634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>18072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>420868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2182</Sole>
      <Shared>0</Shared>
      <None>733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>48945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>1989412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11966</Sole>
      <Shared>0</Shared>
      <None>1813</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>372460105</cusip>
    <value>46202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GIBRALTAR INDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>374689107</cusip>
    <value>230547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3347</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GIBRALTAR INDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>374689107</cusip>
    <value>11072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GIBRALTAR INDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>374689107</cusip>
    <value>1620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>3307477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42576</Sole>
      <Shared>0</Shared>
      <None>1559</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>598920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7900</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>592000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>1194843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>317296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>1274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>3856412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45738</Sole>
      <Shared>0</Shared>
      <None>5722</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>183454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>24730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>6066918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>68197</Sole>
      <Shared>0</Shared>
      <None>12760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>375558103</cusip>
    <value>3747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>13032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>28055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>8570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>8449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>8066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GINKGO BIOWORKS HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>CL A SHS            </titleOfClass>
    <cusip>37611X100</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLACIER BANCORP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37637Q105</cusip>
    <value>117335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3940</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLACIER BANCORP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37637Q105</cusip>
    <value>452780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15887</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLACIER BANCORP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37637Q105</cusip>
    <value>453000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15887</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLACIER BANCORP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37637Q105</cusip>
    <value>22088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLACIER BANCORP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37637Q105</cusip>
    <value>1083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLACIER BANCORP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37637Q105</cusip>
    <value>1341125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>47057</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL NET LEASE INC                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>379378201</cusip>
    <value>1009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL NET LEASE INC                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>379378201</cusip>
    <value>4719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>491</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL NET LEASE INC                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>379378201</cusip>
    <value>3930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL NET LEASE INC                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>379378201</cusip>
    <value>211962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>22056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>20309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>123698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1041</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>376518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3263</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>105928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>124000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>60971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>666954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5124</Sole>
      <Shared>0</Shared>
      <None>656</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>281667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1953</Sole>
      <Shared>0</Shared>
      <None>488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37940X102</cusip>
    <value>924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>149970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>49463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>98925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>29678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>25325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>124</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>4749</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>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>5219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>6741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>129715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>30444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>6742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>78612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>639</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>1414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>34576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>293</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>37959E102</cusip>
    <value>684238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>145822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>19860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>44685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>11171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>1937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>104613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>1732</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>3227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBUS MED INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>379577208</cusip>
    <value>2533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>2383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>74480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>74000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>141512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>39102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>102336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>588</Sole>
      <Shared>0</Shared>
      <None>786</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>19142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GODADDY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>380237107</cusip>
    <value>13332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>234352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>777</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>GOLDMAN SACHS ETF TR                    </nameOfIssuer>
    <titleOfClass>ACCES TREASURY      </titleOfClass>
    <cusip>381430529</cusip>
    <value>619481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>2614446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5708</Sole>
      <Shared>0</Shared>
      <None>2372</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>1339580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>357545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>1771222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4207</Sole>
      <Shared>0</Shared>
      <None>1267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>216401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>669790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2055</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>3319181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9072</Sole>
      <Shared>0</Shared>
      <None>1186</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38141G104</cusip>
    <value>5501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLUB CAP BDC INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38173M102</cusip>
    <value>310770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOSEHEAD INS INC                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>38267D109</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOSEHEAD INS INC                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>38267D109</cusip>
    <value>46283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOSEHEAD INS INC                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>38267D109</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOSEHEAD INS INC                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>38267D109</cusip>
    <value>459999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6137</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOSEHEAD INS INC                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>38267D109</cusip>
    <value>2385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOOSEHEAD INS INC                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>38267D109</cusip>
    <value>199591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>10641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>8843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>749</Sole>
      <Shared>0</Shared>
      <None>1749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>7639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>3207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>1173076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>990</Sole>
      <Shared>0</Shared>
      <None>15106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>1173000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>990</Sole>
      <Shared>0</Shared>
      <None>15106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>147218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>38262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>93286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>621</Sole>
      <Shared>0</Shared>
      <None>659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>37825</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>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>263388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRACO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384109104</cusip>
    <value>194079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>1986273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2868</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>337618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>467</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>173000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>408186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>110694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>165000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>147373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>801843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>848</Sole>
      <Shared>0</Shared>
      <None>311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>24906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>3304228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4692</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>384802104</cusip>
    <value>52580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>133828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1142</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>514155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>4299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>514000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>4299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>46752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>11688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>278058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2160</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>47921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAND CANYON ED INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>38526M106</cusip>
    <value>936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>24619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>962</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>34534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>35000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>90345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>22726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>7241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>823224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>36593</Sole>
      <Shared>0</Shared>
      <None>356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>7817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>13212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>477750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21411</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>388689101</cusip>
    <value>5392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAY TELEVISION INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>389375106</cusip>
    <value>1792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAY TELEVISION INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>389375106</cusip>
    <value>3875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAY TELEVISION INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>389375106</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAY TELEVISION INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>389375106</cusip>
    <value>59505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAY TELEVISION INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>389375106</cusip>
    <value>3986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAY TELEVISION INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>389375106</cusip>
    <value>36586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>13167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>8599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>151821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>543</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>9942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>96467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GSK PLC                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>37733W204</cusip>
    <value>535848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12382</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GSK PLC                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>37733W204</cusip>
    <value>622884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15813</Sole>
      <Shared>0</Shared>
      <None>1370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GSK PLC                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>37733W204</cusip>
    <value>1095185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23740</Sole>
      <Shared>0</Shared>
      <None>6472</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>85500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>24750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>457110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1064</Sole>
      <Shared>0</Shared>
      <None>4015</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>2700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>32258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>87975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>25806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>31085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>2980182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49750</Sole>
      <Shared>0</Shared>
      <None>1063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>59002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>1080216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18387</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>74712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5754</Sole>
      <Shared>0</Shared>
      <None>3215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>42691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>59626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4755</Sole>
      <Shared>0</Shared>
      <None>2403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>260971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>25298</Sole>
      <Shared>0</Shared>
      <None>6031</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>6870096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>169632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>3293460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>81254</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>3167000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>78200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>8303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>456152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11263</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>126968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>3020000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>74556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>37098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>855441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>16950</Sole>
      <Shared>0</Shared>
      <None>4172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>347119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7311</Sole>
      <Shared>0</Shared>
      <None>1260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>3605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>840699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>19919</Sole>
      <Shared>0</Shared>
      <None>839</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>85658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40637H109</cusip>
    <value>62113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40637H109</cusip>
    <value>1780158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46601</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40637H109</cusip>
    <value>1780000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46601</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40637H109</cusip>
    <value>24142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>441</Sole>
      <Shared>0</Shared>
      <None>191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAMILTON LANE INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>407497106</cusip>
    <value>98000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAMILTON LANE INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>407497106</cusip>
    <value>98218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAMILTON LANE INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>407497106</cusip>
    <value>222663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAMILTON LANE INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>407497106</cusip>
    <value>295920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAMILTON LANE INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>407497106</cusip>
    <value>423350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>7108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>1697</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>158867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1920</Sole>
      <Shared>0</Shared>
      <None>38198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>159000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1920</Sole>
      <Shared>0</Shared>
      <None>38198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>7920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>4811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>22433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3019</Sole>
      <Shared>0</Shared>
      <None>2646</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>3390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>856</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANESBRANDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410345102</cusip>
    <value>148753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30707</Sole>
      <Shared>0</Shared>
      <None>6857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>41068X100</cusip>
    <value>6657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>41068X100</cusip>
    <value>262774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11404</Sole>
      <Shared>0</Shared>
      <None>991</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>41068X100</cusip>
    <value>467</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>HANNON ARMSTRONG SUST INFR C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>41068X100</cusip>
    <value>14946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>41068X100</cusip>
    <value>186708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>5882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>55490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>11653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>232836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>998</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>83420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>20531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HANOVER INS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>410867105</cusip>
    <value>666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>45382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>6595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>265203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>69846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>336113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2688</Sole>
      <Shared>0</Shared>
      <None>2052</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>90861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>5531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FINL SVCS GROUP INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>416515104</cusip>
    <value>1404869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18705</Sole>
      <Shared>0</Shared>
      <None>1107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>50266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>111777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>28771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>192137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2156</Sole>
      <Shared>0</Shared>
      <None>749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>4986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>363968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4955</Sole>
      <Shared>0</Shared>
      <None>548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>20107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HASBRO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>418056107</cusip>
    <value>1059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>133567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>537</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>330597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>320000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>651847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>176614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>625773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1553</Sole>
      <Shared>0</Shared>
      <None>991</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>137564</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>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>195308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40412C101</cusip>
    <value>683332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HDFC BANK LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>40415F101</cusip>
    <value>2062045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>34944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HDFC BANK LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>40415F101</cusip>
    <value>16936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HDFC BANK LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>40415F101</cusip>
    <value>72287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>502</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HDFC BANK LTD                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>40415F101</cusip>
    <value>604085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>39702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>40000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>76808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>18171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>2430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>39213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2229</Sole>
      <Shared>0</Shared>
      <None>339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>9773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>521</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>508781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>33319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE RLTY TR                      </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>42226K105</cusip>
    <value>1360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>7816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>712457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>9030</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>660000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9030</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>248000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>194824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>1299852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17669</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>11104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHEQUITY INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42226A107</cusip>
    <value>682068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9082</Sole>
      <Shared>0</Shared>
      <None>255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>58752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>59000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>130907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>31304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>14512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>790</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>237854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5344</Sole>
      <Shared>0</Shared>
      <None>7611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>42026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>165607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6639</Sole>
      <Shared>0</Shared>
      <None>2381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>888294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>48382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42250P103</cusip>
    <value>2497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>136</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEARTLAND EXPRESS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422347104</cusip>
    <value>1542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEARTLAND EXPRESS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422347104</cusip>
    <value>183581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEARTLAND EXPRESS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422347104</cusip>
    <value>184000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEARTLAND EXPRESS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422347104</cusip>
    <value>4128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>2753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>80965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>81000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>89062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>23480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>33682</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>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>1234069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7397</Sole>
      <Shared>0</Shared>
      <None>224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>24775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>422806109</cusip>
    <value>564002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3483</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>1292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>1403588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>556</Sole>
      <Shared>0</Shared>
      <None>10306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>1355000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>10306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>135939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1052</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>41350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>266000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>217736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>1709451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9879</Sole>
      <Shared>0</Shared>
      <None>3350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>2843</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>HEICO CORP NEW                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>422806208</cusip>
    <value>647909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4853</Sole>
      <Shared>0</Shared>
      <None>161</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELEN OF TROY LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G4388N106</cusip>
    <value>933000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELEN OF TROY LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G4388N106</cusip>
    <value>932946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>423452101</cusip>
    <value>9149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>423452101</cusip>
    <value>6282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>423452101</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>423452101</cusip>
    <value>243938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2602</Sole>
      <Shared>0</Shared>
      <None>3184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>423452101</cusip>
    <value>1434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>423452101</cusip>
    <value>7294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>423452101</cusip>
    <value>65137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>5743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>39750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>151140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>40808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>45795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>187000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>147210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>874647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5304</Sole>
      <Shared>0</Shared>
      <None>483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>60449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>592922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3652</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY JACK &amp; ASSOC INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>426281101</cusip>
    <value>25089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>2302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>58658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>59000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>127710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>35269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>412682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5253</Sole>
      <Shared>0</Shared>
      <None>305</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>120137</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>HENRY SCHEIN INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>806407102</cusip>
    <value>33264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERITAGE CRYSTAL CLEAN INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42726M106</cusip>
    <value>1162457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERITAGE CRYSTAL CLEAN INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42726M106</cusip>
    <value>1162000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERITAGE CRYSTAL CLEAN INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42726M106</cusip>
    <value>317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHA HOSPITALITY TR                   </nameOfIssuer>
    <titleOfClass>PR SHS BEN INT      </titleOfClass>
    <cusip>427825500</cusip>
    <value>272511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27638</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHA HOSPITALITY TR                   </nameOfIssuer>
    <titleOfClass>PR SHS BEN INT      </titleOfClass>
    <cusip>427825500</cusip>
    <value>641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHA HOSPITALITY TR                   </nameOfIssuer>
    <titleOfClass>PR SHS BEN INT      </titleOfClass>
    <cusip>427825500</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHA HOSPITALITY TR                   </nameOfIssuer>
    <titleOfClass>PR SHS BEN INT      </titleOfClass>
    <cusip>427825500</cusip>
    <value>61438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>1208683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>190076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>190000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>370148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>106042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>461785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1813</Sole>
      <Shared>0</Shared>
      <None>495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>153227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>766</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>164066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>2738295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12884</Sole>
      <Shared>0</Shared>
      <None>802</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>67227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HERSHEY CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>427866108</cusip>
    <value>8804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>16677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>269280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>269000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>541620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>143820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>386631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1607</Sole>
      <Shared>0</Shared>
      <None>920</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>31245</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>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>63801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42809H107</cusip>
    <value>2601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>235051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10110</Sole>
      <Shared>0</Shared>
      <None>3422</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>126801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>127000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>279483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>74795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>263208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9554</Sole>
      <Shared>0</Shared>
      <None>5599</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>62426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>52110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>1613829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88352</Sole>
      <Shared>0</Shared>
      <None>4557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>42824C109</cusip>
    <value>9293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>232420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>35827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>65140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>24753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>5000</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>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>25861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>397</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEXCEL CORP NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>428291108</cusip>
    <value>72631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>962</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>4896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>58069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>93365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>27611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>93000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1627</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>84086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1477</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>446217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7512</Sole>
      <Shared>0</Shared>
      <None>326</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>26188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>261821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>458571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7964</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HF SINCLAIR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>403949100</cusip>
    <value>968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>10305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>26587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>11748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>2371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>80400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2323</Sole>
      <Shared>0</Shared>
      <None>1578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>7193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>279</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HIGHWOODS PPTYS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431284108</cusip>
    <value>192683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLMAN SOLUTIONS CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431636109</cusip>
    <value>3820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLMAN SOLUTIONS CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431636109</cusip>
    <value>7788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLMAN SOLUTIONS CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431636109</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLMAN SOLUTIONS CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431636109</cusip>
    <value>130400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15129</Sole>
      <Shared>0</Shared>
      <None>677</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLMAN SOLUTIONS CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431636109</cusip>
    <value>8481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1028</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLMAN SOLUTIONS CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>431636109</cusip>
    <value>79753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLTOP HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>432748101</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLTOP HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>432748101</cusip>
    <value>448060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15799</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILLTOP HOLDINGS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>432748101</cusip>
    <value>652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>3154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>271225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>271000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>503554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>130056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>866</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>398578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1617</Sole>
      <Shared>0</Shared>
      <None>1037</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>62626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>417</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43300A203</cusip>
    <value>430716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1659</Sole>
      <Shared>0</Shared>
      <None>1209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLEY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43538H103</cusip>
    <value>19311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLEY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43538H103</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLEY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43538H103</cusip>
    <value>180638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>36200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLEY INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>43538H103</cusip>
    <value>81821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLYSYS AUTOMATION TCHNGY L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G45667105</cusip>
    <value>1307020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>65878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>145462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>102018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>102000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>221386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>58643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>131235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1284</Sole>
      <Shared>0</Shared>
      <None>607</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>10133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>1089580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15640</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLOGIC INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436440101</cusip>
    <value>295644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME BANCSHARES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436893200</cusip>
    <value>4816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>201</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME BANCSHARES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436893200</cusip>
    <value>7957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME BANCSHARES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436893200</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME BANCSHARES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436893200</cusip>
    <value>145826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME BANCSHARES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436893200</cusip>
    <value>9674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME BANCSHARES INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>436893200</cusip>
    <value>82650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>49382009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>160163</Sole>
      <Shared>0</Shared>
      <None>3267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>9646760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>31701</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>4612000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>26892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>63756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>4485565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>1057560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>443499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>4349000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14283</Sole>
      <Shared>110</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>154404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>18977763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>61847</Sole>
      <Shared>0</Shared>
      <None>960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>565341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1474</Sole>
      <Shared>0</Shared>
      <None>397</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>5815976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>17822</Sole>
      <Shared>0</Shared>
      <None>1426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>4067706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2328</Sole>
      <Shared>0</Shared>
      <None>11134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>46714842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>150854</Sole>
      <Shared>0</Shared>
      <None>3749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>23639488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>21817</Sole>
      <Shared>0</Shared>
      <None>56418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>33637056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>93937</Sole>
      <Shared>0</Shared>
      <None>17385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>739990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>104548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>437076102</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONDA MOTOR LTD                         </nameOfIssuer>
    <titleOfClass>AMERN SHS           </titleOfClass>
    <cusip>438128308</cusip>
    <value>3095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONDA MOTOR LTD                         </nameOfIssuer>
    <titleOfClass>AMERN SHS           </titleOfClass>
    <cusip>438128308</cusip>
    <value>57188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONDA MOTOR LTD                         </nameOfIssuer>
    <titleOfClass>AMERN SHS           </titleOfClass>
    <cusip>438128308</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONDA MOTOR LTD                         </nameOfIssuer>
    <titleOfClass>AMERN SHS           </titleOfClass>
    <cusip>438128308</cusip>
    <value>182665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3528</Sole>
      <Shared>0</Shared>
      <None>1902</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONDA MOTOR LTD                         </nameOfIssuer>
    <titleOfClass>AMERN SHS           </titleOfClass>
    <cusip>438128308</cusip>
    <value>77137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>941</Sole>
      <Shared>0</Shared>
      <None>1352</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>10150909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>52815</Sole>
      <Shared>0</Shared>
      <None>2132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>1868645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10024</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>960000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>6466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>1570290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>421207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>125623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>1115000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>62627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>3719001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>20131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>2444664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>13233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>2109731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>11401</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>11022143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>57537</Sole>
      <Shared>0</Shared>
      <None>2126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>832961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2019</Sole>
      <Shared>0</Shared>
      <None>2490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>8365212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3597</Sole>
      <Shared>0</Shared>
      <None>41684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>10997018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>54657</Sole>
      <Shared>0</Shared>
      <None>4870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>69832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>438516106</cusip>
    <value>14410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>177816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1462</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>160231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>156000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>329717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>82140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>252667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1752</Sole>
      <Shared>0</Shared>
      <None>432</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>206044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1781</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G46188101</cusip>
    <value>13420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>113</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>32326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>833</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>64651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>65000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>129302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>38410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>69709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>861</Sole>
      <Shared>0</Shared>
      <None>972</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>14585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>384</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>16201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>25784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>440452100</cusip>
    <value>951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>79707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4800</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>77000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>156361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>36222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>95263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3187</Sole>
      <Shared>0</Shared>
      <None>2741</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>103153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2611</Sole>
      <Shared>0</Shared>
      <None>3808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44107P104</cusip>
    <value>1010096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>62856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOSTESS BRANDS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>44109J106</cusip>
    <value>7461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOSTESS BRANDS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>44109J106</cusip>
    <value>827054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOSTESS BRANDS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>44109J106</cusip>
    <value>757000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22737</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOSTESS BRANDS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>44109J106</cusip>
    <value>30912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>625</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOSTESS BRANDS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>44109J106</cusip>
    <value>899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOSTESS BRANDS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>44109J106</cusip>
    <value>4997</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>HOULIHAN LOKEY INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>441593100</cusip>
    <value>64272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOULIHAN LOKEY INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>441593100</cusip>
    <value>15532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOULIHAN LOKEY INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>441593100</cusip>
    <value>9534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOULIHAN LOKEY INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>441593100</cusip>
    <value>323395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>18755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>37658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>9340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>7265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWARD HUGHES HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44267T102</cusip>
    <value>261605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>1711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>107901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>108000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>227365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>56934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>111026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2401</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>497743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7028</Sole>
      <Shared>0</Shared>
      <None>3734</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>2914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOWMET AEROSPACE INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443201108</cusip>
    <value>83620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1589</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>378741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11380</Sole>
      <Shared>0</Shared>
      <None>3357</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>176328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6650</Sole>
      <Shared>0</Shared>
      <None>211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>171000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>286298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>72191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>114636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>845170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27537</Sole>
      <Shared>0</Shared>
      <None>5349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>25700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40434L105</cusip>
    <value>2288791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>82024</Sole>
      <Shared>0</Shared>
      <None>7034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC                          </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>404280406</cusip>
    <value>307670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7690</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC                          </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>404280406</cusip>
    <value>240706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3142</Sole>
      <Shared>0</Shared>
      <None>2958</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC                          </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>404280406</cusip>
    <value>32357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC                          </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>404280406</cusip>
    <value>241000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC                          </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>404280406</cusip>
    <value>1676616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39678</Sole>
      <Shared>0</Shared>
      <None>2811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC                          </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>404280406</cusip>
    <value>40762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HSBC HLDGS PLC                          </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>404280406</cusip>
    <value>2309397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>57149</Sole>
      <Shared>0</Shared>
      <None>1376</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>95277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>109694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>110000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>216253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>53280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>87000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>87441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>373271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>844</Sole>
      <Shared>0</Shared>
      <None>347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>15126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>262951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>839</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>6938584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22127</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443510607</cusip>
    <value>2508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>119185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>239</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>126573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>123000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>296978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>603</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>73875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>6403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>145288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>36445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443573100</cusip>
    <value>3448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDBAY MINERALS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>443628102</cusip>
    <value>124536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25572</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>13533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1983</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>4655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>2640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>5287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>1596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>1124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON PAC PPTYS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444097109</cusip>
    <value>70364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444144109</cusip>
    <value>1067000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>80258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444144109</cusip>
    <value>1067431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>80258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUDSON TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444144109</cusip>
    <value>146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>40381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>380459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>370000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>768702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>205311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>18000</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>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>6811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>1588001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2783</Sole>
      <Shared>0</Shared>
      <None>481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>266505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>547</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>411596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>1277115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2345</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>165903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUMANA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>444859102</cusip>
    <value>3406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>3770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>92375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>194176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>49958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>260912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1128</Sole>
      <Shared>0</Shared>
      <None>256</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>8107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNT J B TRANS SVCS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>445658107</cusip>
    <value>106137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>11981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>933</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>4701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>452</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>192358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>57439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5523</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>452</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>120952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9908</Sole>
      <Shared>0</Shared>
      <None>1722</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>3110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446150104</cusip>
    <value>68203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5378</Sole>
      <Shared>0</Shared>
      <None>1180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>3273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>58101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>101267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>24754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>34779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>117429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>112519</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>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>509404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>1980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>375609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1639</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON INGALLS INDS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>446413106</cusip>
    <value>1228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>1806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>29280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>29000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>52460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>17812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>58000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>58414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>189344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6474</Sole>
      <Shared>0</Shared>
      <None>1286</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>7480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>307</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>179730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>447011107</cusip>
    <value>256737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10471</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>1803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>26520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>68952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>21746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>203143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1796</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>19671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYATT HOTELS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>448579102</cusip>
    <value>530</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>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>1361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>24842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>22000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>47871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>17637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>7660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>297704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4566</Sole>
      <Shared>0</Shared>
      <None>1342</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>44891N208</cusip>
    <value>36331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44925C103</cusip>
    <value>3745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44925C103</cusip>
    <value>7853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44925C103</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44925C103</cusip>
    <value>131925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44925C103</cusip>
    <value>8940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44925C103</cusip>
    <value>80339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>2082696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>90082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>26172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>254597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>16670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>255000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>2056524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>88950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>484295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>20947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>4623838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>112604</Sole>
      <Shared>0</Shared>
      <None>87389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICL GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M53213100</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICL GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M53213100</cusip>
    <value>24048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICL GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M53213100</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICL GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M53213100</cusip>
    <value>20924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2067</Sole>
      <Shared>0</Shared>
      <None>1703</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICL GROUP LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M53213100</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>42355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>447683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>24871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>246250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>64025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>437000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>3010653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12153</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>1478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>721020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>2932838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11813</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>417148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1694</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>2023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>11901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>29753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>8331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>101992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>387854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>237496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2536</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>28095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>51508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>9833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>67522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>273552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2067</Sole>
      <Shared>0</Shared>
      <None>854</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>5432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>203314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>293499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3127</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>59702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>1644606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>7466</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>1642000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>7454</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>191378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>58246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>37652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>181</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>139373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>461</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>56165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>379012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>1457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>624422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1419</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>223008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>223000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>450388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>128995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>160916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>529534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>565</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>342382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEXX LABS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45168D104</cusip>
    <value>15305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>9323870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40456</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>2311621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10002</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>2231000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>4146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>886694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>241826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>1850000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>20498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>4070038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15722</Sole>
      <Shared>0</Shared>
      <None>1950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>823532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2497</Sole>
      <Shared>0</Shared>
      <None>1062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>6450522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26587</Sole>
      <Shared>0</Shared>
      <None>1421</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452308109</cusip>
    <value>56657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>113393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>580694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4213</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>130000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>280051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>74818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>538000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>204410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>2471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>5060415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>34051</Sole>
      <Shared>0</Shared>
      <None>2811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>33634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>1093023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7932</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>1709273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10650</Sole>
      <Shared>0</Shared>
      <None>1801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>452327109</cusip>
    <value>961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>2773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>70479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>70000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>139226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>39861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>136107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>104448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>743</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>119237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2052</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45337C102</cusip>
    <value>983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENCE RLTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45378A106</cusip>
    <value>1773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENCE RLTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45378A106</cusip>
    <value>14577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>672</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENCE RLTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45378A106</cusip>
    <value>746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENCE RLTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45378A106</cusip>
    <value>13662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>971</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENCE RLTY TR INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45378A106</cusip>
    <value>274281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENT BK CORP MASS                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>453836108</cusip>
    <value>4418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENT BK CORP MASS                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>453836108</cusip>
    <value>6431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENT BK CORP MASS                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>453836108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENT BK CORP MASS                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>453836108</cusip>
    <value>147319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2176</Sole>
      <Shared>0</Shared>
      <None>825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENT BK CORP MASS                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>453836108</cusip>
    <value>6873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDEPENDENT BK CORP MASS                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>453836108</cusip>
    <value>65633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDIE SEMICONDUCTOR INC                 </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>45569U101</cusip>
    <value>1525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDIE SEMICONDUCTOR INC                 </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>45569U101</cusip>
    <value>3150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDIE SEMICONDUCTOR INC                 </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>45569U101</cusip>
    <value>3000</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>INDIE SEMICONDUCTOR INC                 </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>45569U101</cusip>
    <value>65514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8492</Sole>
      <Shared>0</Shared>
      <None>1907</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDIE SEMICONDUCTOR INC                 </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>45569U101</cusip>
    <value>3389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>538</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INDIE SEMICONDUCTOR INC                 </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>45569U101</cusip>
    <value>32269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INFOSYS LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>456788108</cusip>
    <value>500775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>29268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N.V.                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>456837103</cusip>
    <value>3651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N.V.                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>456837103</cusip>
    <value>33635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N.V.                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>456837103</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N.V.                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>456837103</cusip>
    <value>123404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6897</Sole>
      <Shared>0</Shared>
      <None>2466</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ING GROEP N.V.                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>456837103</cusip>
    <value>30064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>2071</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>558442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8674</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>155923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2447</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>156000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2447</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>327776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>95261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>34537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>329432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3554</Sole>
      <Shared>0</Shared>
      <None>1616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>1912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45687V106</cusip>
    <value>368620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4891</Sole>
      <Shared>0</Shared>
      <None>894</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGEVITY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45688C107</cusip>
    <value>333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGEVITY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45688C107</cusip>
    <value>405923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGEVITY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45688C107</cusip>
    <value>406000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGEVITY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45688C107</cusip>
    <value>3524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGEVITY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45688C107</cusip>
    <value>20853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGEVITY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45688C107</cusip>
    <value>428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGEVITY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45688C107</cusip>
    <value>95</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>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>429713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>1593785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>15797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>1594000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>15797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>78720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>17220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>90000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>90036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>278570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>110376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>946</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>288509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>457187102</cusip>
    <value>1926770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18478</Sole>
      <Shared>0</Shared>
      <None>1103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INHIBRX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45720L107</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INHIBRX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45720L107</cusip>
    <value>260607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INHIBRX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45720L107</cusip>
    <value>261000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INHIBRX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45720L107</cusip>
    <value>1101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INHIBRX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45720L107</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>191866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1196</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>71771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>72000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>143541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>39873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>29506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>237321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1236</Sole>
      <Shared>0</Shared>
      <None>252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>3987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45784P101</cusip>
    <value>276396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1697</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEGRAL AD SCIENCE HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45828L108</cusip>
    <value>2616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEGRAL AD SCIENCE HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45828L108</cusip>
    <value>5220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEGRAL AD SCIENCE HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45828L108</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEGRAL AD SCIENCE HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45828L108</cusip>
    <value>89294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEGRAL AD SCIENCE HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45828L108</cusip>
    <value>5802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEGRAL AD SCIENCE HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45828L108</cusip>
    <value>54266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>9600882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>260943</Sole>
      <Shared>0</Shared>
      <None>9124</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>936458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>26020</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>925000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>26020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>1893749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>53270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>509076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>14320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>85320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>4906789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>124793</Sole>
      <Shared>0</Shared>
      <None>13232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>404807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2497</Sole>
      <Shared>0</Shared>
      <None>8890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>2511323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70542</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>29317481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>824683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>790149</Sole>
      <Shared>0</Shared>
      <None>34534</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>478254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>458140100</cusip>
    <value>5191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>45841N107</cusip>
    <value>28998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>45841N107</cusip>
    <value>79202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>915</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>103699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1198</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>29430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>340</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>11166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>129</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>79000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>915</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>16793</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>INTERACTIVE BROKERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>45841N107</cusip>
    <value>1562321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18015</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>45841N107</cusip>
    <value>400167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>567373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5124</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>7591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>802046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>221690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>49787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>1240035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8552</Sole>
      <Shared>0</Shared>
      <None>2719</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>1870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>878400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6659</Sole>
      <Shared>0</Shared>
      <None>1325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>144456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45866F104</cusip>
    <value>2201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>9308484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>65381</Sole>
      <Shared>0</Shared>
      <None>966</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>3371970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>23905</Sole>
      <Shared>0</Shared>
      <None>129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>930000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>28762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>32830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>2267248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>439700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>13749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>1369000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9514</Sole>
      <Shared>245</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>106628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>6839765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>48749</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>266570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1786</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>2241573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>15916</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>10528533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>73112</Sole>
      <Shared>0</Shared>
      <None>1931</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>1051898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>875</Sole>
      <Shared>0</Shared>
      <None>6622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>1096865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7798</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>25508785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>174265</Sole>
      <Shared>0</Shared>
      <None>7551</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>92879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>6735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>3348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>5400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459200101</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>1177841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16932</Sole>
      <Shared>0</Shared>
      <None>346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>2149127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>31405</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>226000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>23246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>25496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>730442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>61353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>9724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>1084000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>15487</Sole>
      <Shared>414</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>86849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>5531996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>81150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>214599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2958</Sole>
      <Shared>0</Shared>
      <None>190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>1807800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>26418</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>2528425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35399</Sole>
      <Shared>0</Shared>
      <None>1691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>161908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1286</Sole>
      <Shared>0</Shared>
      <None>1068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>723488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>10613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>6730765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>91716</Sole>
      <Shared>0</Shared>
      <None>7019</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>459506101</cusip>
    <value>1977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL MNY EXPRESS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46005L101</cusip>
    <value>628000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL MNY EXPRESS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46005L101</cusip>
    <value>627866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL MNY EXPRESS IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46005L101</cusip>
    <value>2235</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>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>230200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5105</Sole>
      <Shared>0</Shared>
      <None>1385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>82000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>85589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>154295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>4788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>144245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>3742</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>1620695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44309</Sole>
      <Shared>0</Shared>
      <None>1383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460146103</cusip>
    <value>214913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4849</Sole>
      <Shared>0</Shared>
      <None>1210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>26081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>64256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>136651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4768</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>39121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>7595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>66000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>63453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>1169127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39964</Sole>
      <Shared>0</Shared>
      <None>829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>28460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>993</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>214577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7281</Sole>
      <Shared>0</Shared>
      <None>206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>460690100</cusip>
    <value>1909902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>61468</Sole>
      <Shared>0</Shared>
      <None>5172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTRA-CELLULAR THERAPIES INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46116X101</cusip>
    <value>62977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1189</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTRA-CELLULAR THERAPIES INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46116X101</cusip>
    <value>4167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTRA-CELLULAR THERAPIES INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46116X101</cusip>
    <value>4000</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>INTRA-CELLULAR THERAPIES INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46116X101</cusip>
    <value>5887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTRA-CELLULAR THERAPIES INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46116X101</cusip>
    <value>80427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1406</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTRA-CELLULAR THERAPIES INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46116X101</cusip>
    <value>8334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTRA-CELLULAR THERAPIES INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46116X101</cusip>
    <value>42714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>3327752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5998</Sole>
      <Shared>0</Shared>
      <None>515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>1319758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2551</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>1073000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>8175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>1788290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>482838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>56000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>79196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>4253575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>8324</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>3088632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>6045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>2646669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>5171</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>7435199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13252</Sole>
      <Shared>0</Shared>
      <None>1300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>465809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>868</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>857357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1629</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>5355673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9682</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>85327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>461202103</cusip>
    <value>9197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>6766514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23134</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>1146654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3878</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>643000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>1300691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>348117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>493000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>214541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>4969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>4933563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13388</Sole>
      <Shared>0</Shared>
      <None>3491</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>244355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>771</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>705296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>2463712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7823</Sole>
      <Shared>0</Shared>
      <None>606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>46120E602</cusip>
    <value>4969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>12609592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>843451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>843106</Sole>
      <Shared>0</Shared>
      <None>345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>34475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>6802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>748606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>50074</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>5075325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19867</Sole>
      <Shared>0</Shared>
      <None>319620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>23098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>107498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK             </nameOfIssuer>
    <titleOfClass>UNIT                </titleOfClass>
    <cusip>46138B103</cusip>
    <value>488642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK             </nameOfIssuer>
    <titleOfClass>UNIT                </titleOfClass>
    <cusip>46138B103</cusip>
    <value>519767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20824</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>2272234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38650</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>222286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II            </nameOfIssuer>
    <titleOfClass>PFD ETF             </titleOfClass>
    <cusip>46138E511</cusip>
    <value>18615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1700</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>153300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14000</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>34701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3169</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>295917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7385</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>59108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2816</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>230890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN      </titleOfClass>
    <cusip>46137V100</cusip>
    <value>438900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV      </titleOfClass>
    <cusip>46137V308</cusip>
    <value>292403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT      </titleOfClass>
    <cusip>46137V357</cusip>
    <value>2290419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT      </titleOfClass>
    <cusip>46137V357</cusip>
    <value>438956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT      </titleOfClass>
    <cusip>46137V357</cusip>
    <value>180655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT      </titleOfClass>
    <cusip>46137V357</cusip>
    <value>518585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT      </titleOfClass>
    <cusip>46137V357</cusip>
    <value>18420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>BIOTECHNOLOGY       </titleOfClass>
    <cusip>46137V787</cusip>
    <value>583201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>3093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>77972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>13286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>2512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>43487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1985</Sole>
      <Shared>0</Shared>
      <None>1010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>70959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4261</Sole>
      <Shared>0</Shared>
      <None>626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO PA VALUE MUN INC TR             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46132K109</cusip>
    <value>48133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4349</Sole>
      <Shared>0</Shared>
      <None>1029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO PA VALUE MUN INC TR             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46132K109</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO PA VALUE MUN INC TR             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46132K109</cusip>
    <value>1835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO PA VALUE MUN INC TR             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46132K109</cusip>
    <value>82913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO PA VALUE MUN INC TR             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46132K109</cusip>
    <value>13890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>713316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>4380000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>4379851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>12225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>2529744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>465687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>38611474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>107772</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>3296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>125176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>125000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>255105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>68609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>69623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1980</Sole>
      <Shared>0</Shared>
      <None>217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>1077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>19679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>1662014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>52446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>2087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>33113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>33000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>81648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>16330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>46131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>882</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>4083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONIS PHARMACEUTICALS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>462222100</cusip>
    <value>1769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>325228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1630</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>1360723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6879</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>224000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>458428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>130445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>8854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>1388000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7053</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>266596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>13309941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>66959</Sole>
      <Shared>0</Shared>
      <None>690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>34038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>2842251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>5095432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22265</Sole>
      <Shared>0</Shared>
      <None>3633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46266C105</cusip>
    <value>2165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>30973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>499</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>101065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>101000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>217349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>54575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>8977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>1133176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18033</Sole>
      <Shared>0</Shared>
      <None>1028</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>2992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>18489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>278</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>2368607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>38527</Sole>
      <Shared>0</Shared>
      <None>1315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46284V101</cusip>
    <value>1533572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>25796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>68301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>2600562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>74323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>2601000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>74323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>2229528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>63719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>10783967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>308201</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>71939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>381566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2880</Sole>
      <Shared>0</Shared>
      <None>8025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>225039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6432</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI SWITZERLAND    </titleOfClass>
    <cusip>464286749</cusip>
    <value>87140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI SWITZERLAND    </titleOfClass>
    <cusip>464286749</cusip>
    <value>1531006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>35139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI SWEDEN ETF     </titleOfClass>
    <cusip>464286756</cusip>
    <value>264156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>71398754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1492582</Sole>
      <Shared>0</Shared>
      <None>7707</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>75734821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1591402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1591302</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>59621000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1252807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1252807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>257938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>5420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>711899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>13951</Sole>
      <Shared>0</Shared>
      <None>1008</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>1629125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>34233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>21026000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>427705</Sole>
      <Shared>1845</Shared>
      <None>12275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>4786745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>100583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>82093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>196048433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4119530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4095217</Sole>
      <Shared>0</Shared>
      <None>24313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>14022844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9791</Sole>
      <Shared>0</Shared>
      <None>284868</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>17275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>13016436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>272488</Sole>
      <Shared>0</Shared>
      <None>1024</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>145999553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3067862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2982064</Sole>
      <Shared>0</Shared>
      <None>85798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT      </titleOfClass>
    <cusip>46434G103</cusip>
    <value>311521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6546</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI EMRG CHN       </titleOfClass>
    <cusip>46434G764</cusip>
    <value>1309732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI TAIWAN ETF     </titleOfClass>
    <cusip>46434G772</cusip>
    <value>236561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>679362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>2523263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>83331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>2523000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>83331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>879569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29048</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>5011915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>165519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>1974044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>65193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>3809194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>125799</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM     </titleOfClass>
    <cusip>46434G863</cusip>
    <value>30916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1021</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR                       </nameOfIssuer>
    <titleOfClass>ISHARES             </titleOfClass>
    <cusip>46428Q109</cusip>
    <value>24957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR                       </nameOfIssuer>
    <titleOfClass>ISHARES             </titleOfClass>
    <cusip>46428Q109</cusip>
    <value>719324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR                       </nameOfIssuer>
    <titleOfClass>ISHARES             </titleOfClass>
    <cusip>46428Q109</cusip>
    <value>118094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4306</Sole>
      <Shared>0</Shared>
      <None>1500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA ETF</titleOfClass>
    <cusip>46429B598</cusip>
    <value>15813072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>357600</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>266651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1329</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>51364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>256</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>65208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>325</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>16133462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>80410</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>6266589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>31233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MORNINGSTR US EQ    </titleOfClass>
    <cusip>464287127</cusip>
    <value>267975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4550</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>214282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2275</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>340308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3613</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>204298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>836901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>8288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>161998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>1266062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>11762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>8934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>83</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>105272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>28718352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>262150</Sole>
      <Shared>0</Shared>
      <None>4650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>22054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>1016014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>7908311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>63070</Sole>
      <Shared>0</Shared>
      <None>10400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>2020569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>348084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3266</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>69907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>11928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>339000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>10579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>1632345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15738</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>10372</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>3602299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>33636</Sole>
      <Shared>0</Shared>
      <None>1095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>7883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>30182488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>69835</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>15191086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>35323</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>1224305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2851</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>35601000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>74927</Sole>
      <Shared>0</Shared>
      <None>7975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>19362569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>44824</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>1071857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>296</Sole>
      <Shared>0</Shared>
      <None>2200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>228935574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>533115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>531069</Sole>
      <Shared>0</Shared>
      <None>2046</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>2132256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4076</Sole>
      <Shared>0</Shared>
      <None>870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>33185062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>77277</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>202298024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>471085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>262857</Sole>
      <Shared>0</Shared>
      <None>208228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>19585147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>204804</Sole>
      <Shared>0</Shared>
      <None>3460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>2651928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>28200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>1317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>12998000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>104072</Sole>
      <Shared>0</Shared>
      <None>34141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>6824671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>72572</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>310332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>12946863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>137674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>700316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7447</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET    </titleOfClass>
    <cusip>464287226</cusip>
    <value>1124624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF    </titleOfClass>
    <cusip>464287234</cusip>
    <value>4697831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>123790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF    </titleOfClass>
    <cusip>464287234</cusip>
    <value>234781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF    </titleOfClass>
    <cusip>464287234</cusip>
    <value>9642222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>254077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF    </titleOfClass>
    <cusip>464287234</cusip>
    <value>12582725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>331397</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF    </titleOfClass>
    <cusip>464287234</cusip>
    <value>707881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>17353</Sole>
      <Shared>0</Shared>
      <None>1300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF    </titleOfClass>
    <cusip>464287234</cusip>
    <value>16025071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>420187</Sole>
      <Shared>0</Shared>
      <None>2081</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF    </titleOfClass>
    <cusip>464287234</cusip>
    <value>68559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF    </titleOfClass>
    <cusip>464287242</cusip>
    <value>8716997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>85444</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF    </titleOfClass>
    <cusip>464287242</cusip>
    <value>7651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF    </titleOfClass>
    <cusip>464287242</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF    </titleOfClass>
    <cusip>464287242</cusip>
    <value>1049684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF    </titleOfClass>
    <cusip>464287242</cusip>
    <value>17430514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2652</Sole>
      <Shared>0</Shared>
      <None>168202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF    </titleOfClass>
    <cusip>464287242</cusip>
    <value>178535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF    </titleOfClass>
    <cusip>464287242</cusip>
    <value>277159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF     </titleOfClass>
    <cusip>464287291</cusip>
    <value>251951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF     </titleOfClass>
    <cusip>464287291</cusip>
    <value>7231041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125018</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>24701399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>361026</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>283738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>188566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2756</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>417362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>284000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>78685532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1150037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>441531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4669</Sole>
      <Shared>0</Shared>
      <None>1768</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>7123822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>104119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF    </titleOfClass>
    <cusip>464287309</cusip>
    <value>248821279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3636675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3607461</Sole>
      <Shared>6400</Shared>
      <None>22814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL FINLS ETF    </titleOfClass>
    <cusip>464287333</cusip>
    <value>1711806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>15040937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>97770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>338910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>699972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>1799000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>1599321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>10396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>16615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>60767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>335</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>54493666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>354223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>1687365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3416</Sole>
      <Shared>0</Shared>
      <None>7532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>6049758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>39325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF     </titleOfClass>
    <cusip>464287408</cusip>
    <value>88012876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>572107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>567777</Sole>
      <Shared>1835</Shared>
      <None>2495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>7-10 YR TRSY BD     </titleOfClass>
    <cusip>464287440</cusip>
    <value>22806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>7-10 YR TRSY BD     </titleOfClass>
    <cusip>464287440</cusip>
    <value>115646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1263</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>7-10 YR TRSY BD     </titleOfClass>
    <cusip>464287440</cusip>
    <value>514461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>7-10 YR TRSY BD     </titleOfClass>
    <cusip>464287440</cusip>
    <value>1701376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>18566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>14747390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>182134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>617072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>617000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>14859151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7900</Sole>
      <Shared>0</Shared>
      <None>175614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>5774133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>70577</Sole>
      <Shared>0</Shared>
      <None>735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>65991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>160968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1988</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD     </titleOfClass>
    <cusip>464287457</cusip>
    <value>1780207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>35267949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>511723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>508502</Sole>
      <Shared>0</Shared>
      <None>3221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>17575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>12681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>729369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>10583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>7394858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2158</Sole>
      <Shared>0</Shared>
      <None>105138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>39008513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>564897</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>14207858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>204446</Sole>
      <Shared>0</Shared>
      <None>1704</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>58601573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>829078</Sole>
      <Shared>0</Shared>
      <None>21206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF       </titleOfClass>
    <cusip>464287465</cusip>
    <value>74980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF    </titleOfClass>
    <cusip>464287473</cusip>
    <value>1846505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF    </titleOfClass>
    <cusip>464287473</cusip>
    <value>5976804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>57282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF    </titleOfClass>
    <cusip>464287473</cusip>
    <value>26085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF    </titleOfClass>
    <cusip>464287473</cusip>
    <value>408700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF    </titleOfClass>
    <cusip>464287473</cusip>
    <value>12961840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>124227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF    </titleOfClass>
    <cusip>464287481</cusip>
    <value>852935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF    </titleOfClass>
    <cusip>464287481</cusip>
    <value>8132982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>89031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF    </titleOfClass>
    <cusip>464287481</cusip>
    <value>31973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF    </titleOfClass>
    <cusip>464287481</cusip>
    <value>416282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF    </titleOfClass>
    <cusip>464287481</cusip>
    <value>23749947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>259880</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>914308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>200340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>145425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>1013000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2893</Sole>
      <Shared>0</Shared>
      <None>11738</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>181267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>2077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>8351550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>120600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>2588219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>37375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF     </titleOfClass>
    <cusip>464287499</cusip>
    <value>30592838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>430413</Sole>
      <Shared>0</Shared>
      <None>11361</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>8786346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34292</Sole>
      <Shared>0</Shared>
      <None>945</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>169558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>6163000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24717</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>6163184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>24717</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>18819442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>71697</Sole>
      <Shared>0</Shared>
      <None>3777</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>517895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>182</Sole>
      <Shared>0</Shared>
      <None>1889</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>35722130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>106908</Sole>
      <Shared>0</Shared>
      <None>36353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF    </titleOfClass>
    <cusip>464287507</cusip>
    <value>17455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF    </titleOfClass>
    <cusip>464287549</cusip>
    <value>191090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EXPND TEC SC ETF    </titleOfClass>
    <cusip>464287549</cusip>
    <value>630597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH     </titleOfClass>
    <cusip>464287556</cusip>
    <value>270139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH     </titleOfClass>
    <cusip>464287556</cusip>
    <value>277721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH     </titleOfClass>
    <cusip>464287556</cusip>
    <value>64038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>523</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH     </titleOfClass>
    <cusip>464287556</cusip>
    <value>385214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>1727510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>612805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>32102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>618000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>49491</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>9676917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>192921</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>2870657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>57230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>12800330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>250759</Sole>
      <Shared>0</Shared>
      <None>4431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>179560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>401700</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>60767625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>399393</Sole>
      <Shared>0</Shared>
      <None>868</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>62172719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>409516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>408536</Sole>
      <Shared>0</Shared>
      <None>980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>49069000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>323208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>360117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1428</Sole>
      <Shared>0</Shared>
      <None>944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>283144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>3252136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>21421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>21375000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>139732</Sole>
      <Shared>1060</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>9139716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>60201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>239117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>195229741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1285929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1285649</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>3346951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>20647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>14407870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>94901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>132194380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>864662</Sole>
      <Shared>0</Shared>
      <None>6069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>44636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>3202182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>581388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>62127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>1262900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>62879504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>236078</Sole>
      <Shared>0</Shared>
      <None>320</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>31506250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>118449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>16645000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>62620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>512031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>283279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>11991627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>45083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>19107000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>69658</Sole>
      <Shared>475</Shared>
      <None>1750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>4085074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>15358</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>595552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1364</Sole>
      <Shared>0</Shared>
      <None>875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>259871698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>976998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>974802</Sole>
      <Shared>0</Shared>
      <None>2196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>1579678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>534</Sole>
      <Shared>0</Shared>
      <None>5399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>30748178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>115599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>216935060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>811198</Sole>
      <Shared>0</Shared>
      <None>4378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>55530845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>236204</Sole>
      <Shared>0</Shared>
      <None>188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>30928486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>128791</Sole>
      <Shared>0</Shared>
      <None>2870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>23594000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>793526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>589624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>5090500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>21670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>7927000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>33745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>1741858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>31948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>95608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>351944041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1498208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1496125</Sole>
      <Shared>0</Shared>
      <None>2083</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>395259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>1631</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>114166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>11673618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>49694</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>196221263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>835304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>830857</Sole>
      <Shared>0</Shared>
      <None>4447</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>9275551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67529</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>194514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>171064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1227</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>195000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1375</Sole>
      <Shared>60</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>1491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>15766363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>116314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>80474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>6013269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>44012</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>30434770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>218654</Sole>
      <Shared>0</Shared>
      <None>5874</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>9647192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42595</Sole>
      <Shared>0</Shared>
      <None>444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>439782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>69487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>422523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>440000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1927</Sole>
      <Shared>35</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>8855453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39449</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>19798049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>88325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>14732259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>65350</Sole>
      <Shared>0</Shared>
      <None>375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>44733167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>195527</Sole>
      <Shared>0</Shared>
      <None>4041</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
    <value>197934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>883</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>46470955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>262208</Sole>
      <Shared>0</Shared>
      <None>726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>48640262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>275108</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>36352000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>205681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>226404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>1281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>90137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>828204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>17486000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>93545</Sole>
      <Shared>0</Shared>
      <None>5392</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>4808388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>27206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>53022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>177477713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1004174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>999311</Sole>
      <Shared>0</Shared>
      <None>4863</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>692489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1197</Sole>
      <Shared>0</Shared>
      <None>2709</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>12018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>17713943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>100226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF    </titleOfClass>
    <cusip>464287655</cusip>
    <value>93455054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>514335</Sole>
      <Shared>0</Shared>
      <None>14436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU     </titleOfClass>
    <cusip>464287663</cusip>
    <value>264976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU     </titleOfClass>
    <cusip>464287663</cusip>
    <value>12420511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>165850</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU     </titleOfClass>
    <cusip>464287663</cusip>
    <value>272742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3655</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT     </titleOfClass>
    <cusip>464287671</cusip>
    <value>11712392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT     </titleOfClass>
    <cusip>464287671</cusip>
    <value>241627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT     </titleOfClass>
    <cusip>464287671</cusip>
    <value>26552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT     </titleOfClass>
    <cusip>464287671</cusip>
    <value>110483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF    </titleOfClass>
    <cusip>464287689</cusip>
    <value>7351555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF    </titleOfClass>
    <cusip>464287689</cusip>
    <value>1470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF    </titleOfClass>
    <cusip>464287689</cusip>
    <value>24506</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF    </titleOfClass>
    <cusip>464287705</cusip>
    <value>8349939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>82440</Sole>
      <Shared>0</Shared>
      <None>290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF    </titleOfClass>
    <cusip>464287705</cusip>
    <value>1456016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF    </titleOfClass>
    <cusip>464287705</cusip>
    <value>738179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4254</Sole>
      <Shared>0</Shared>
      <None>3034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF    </titleOfClass>
    <cusip>464287705</cusip>
    <value>3526797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>34943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>U.S. TECH ETF       </titleOfClass>
    <cusip>464287721</cusip>
    <value>1573695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>U.S. TECH ETF       </titleOfClass>
    <cusip>464287721</cusip>
    <value>2354405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF    </titleOfClass>
    <cusip>464287739</cusip>
    <value>16566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF    </titleOfClass>
    <cusip>464287739</cusip>
    <value>29849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF    </titleOfClass>
    <cusip>464287739</cusip>
    <value>520803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US HLTHCARE ETF     </titleOfClass>
    <cusip>464287762</cusip>
    <value>252245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>934</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>4291638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>205168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>205987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>7367000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>78098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>7176626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>76080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>39160156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>407827</Sole>
      <Shared>0</Shared>
      <None>7313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>320722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>3240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>2406641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>24538</Sole>
      <Shared>0</Shared>
      <None>975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>48853318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>517898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>509879</Sole>
      <Shared>1100</Shared>
      <None>6919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF    </titleOfClass>
    <cusip>464287804</cusip>
    <value>19338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>1423684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15957</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>11222270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>125782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>11153000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>125000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>670845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>372000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>315660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3538</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>34678119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>388681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>388003</Sole>
      <Shared>0</Shared>
      <None>678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>4109884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>2536792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>27898291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>309315</Sole>
      <Shared>170</Shared>
      <None>3206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF    </titleOfClass>
    <cusip>464287879</cusip>
    <value>84639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>949</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>5371797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>1101736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9945</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>109790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>342202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>1341000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>238883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>22559860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>204688</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>38158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>2444658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>22289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT     </titleOfClass>
    <cusip>464287887</cusip>
    <value>30342077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>275734</Sole>
      <Shared>170</Shared>
      <None>738</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>4098148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38665</Sole>
      <Shared>0</Shared>
      <None>1177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>19338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>2985614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29026</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>300352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2920</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>424915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GL TIMB FORE ETF    </titleOfClass>
    <cusip>464288174</cusip>
    <value>1036280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF    </titleOfClass>
    <cusip>464288208</cusip>
    <value>370326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF    </titleOfClass>
    <cusip>464288224</cusip>
    <value>332605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17750</Sole>
      <Shared>0</Shared>
      <None>5000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US     </titleOfClass>
    <cusip>464288240</cusip>
    <value>226823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF       </titleOfClass>
    <cusip>464288257</cusip>
    <value>188435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF       </titleOfClass>
    <cusip>464288257</cusip>
    <value>46871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>507</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>27953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>1561734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>9639270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>170697</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>14118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>4103731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>72327</Sole>
      <Shared>0</Shared>
      <None>344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>61375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1087</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLB INFRASTR ETF    </titleOfClass>
    <cusip>464288372</cusip>
    <value>327143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL    </titleOfClass>
    <cusip>464288406</cusip>
    <value>864013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>4580052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42124</Sole>
      <Shared>0</Shared>
      <None>2542</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>8795779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>85779</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>177805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1734</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>5517472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>46790</Sole>
      <Shared>0</Shared>
      <None>7018</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>69215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>675</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>5128848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>69572</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>187965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>1802159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>375323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4682</Sole>
      <Shared>0</Shared>
      <None>409</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>1792870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>7004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>5172245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>58246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>8436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>8000</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>1533776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15245</Sole>
      <Shared>0</Shared>
      <None>2027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>205128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>759063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>3005346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29559</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>35668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>103000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>67486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>4653074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>50665</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>13173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF    </titleOfClass>
    <cusip>464288620</cusip>
    <value>1263472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF    </titleOfClass>
    <cusip>464288620</cusip>
    <value>1140220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF    </titleOfClass>
    <cusip>464288620</cusip>
    <value>17309606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>358692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF    </titleOfClass>
    <cusip>464288620</cusip>
    <value>215402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT    </titleOfClass>
    <cusip>464288638</cusip>
    <value>224024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT    </titleOfClass>
    <cusip>464288638</cusip>
    <value>13136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT    </titleOfClass>
    <cusip>464288638</cusip>
    <value>18098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>372</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS     </titleOfClass>
    <cusip>464288646</cusip>
    <value>318962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS     </titleOfClass>
    <cusip>464288646</cusip>
    <value>85010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1706</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS     </titleOfClass>
    <cusip>464288646</cusip>
    <value>104643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>7191997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>63556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>18163198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>156309</Sole>
      <Shared>0</Shared>
      <None>4200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>15654000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>138337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>1811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>2123000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>7563954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>66843</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>77515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>2265803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>20023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>1547916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>420198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3463</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>113160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>13579</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>3 7 YR TREAS BD     </titleOfClass>
    <cusip>464288661</cusip>
    <value>40851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>361</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHORT TREAS BD      </titleOfClass>
    <cusip>464288679</cusip>
    <value>419786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC    </titleOfClass>
    <cusip>464288687</cusip>
    <value>703068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC    </titleOfClass>
    <cusip>464288687</cusip>
    <value>175835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3992</Sole>
      <Shared>0</Shared>
      <None>1840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC    </titleOfClass>
    <cusip>464288687</cusip>
    <value>4523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLB CNSM STP ETF    </titleOfClass>
    <cusip>464288737</cusip>
    <value>570600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US HOME CONS ETF    </titleOfClass>
    <cusip>464288752</cusip>
    <value>528630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US HOME CONS ETF    </titleOfClass>
    <cusip>464288752</cusip>
    <value>777365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>16027256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>178140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>15899000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>176715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>60280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>343685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>3041706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>826284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>2187711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>24316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>9821485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>109164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC    </titleOfClass>
    <cusip>464288802</cusip>
    <value>314626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>14884261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>303612</Sole>
      <Shared>0</Shared>
      <None>583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>25761254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>526492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>526492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>23679000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>483945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>483945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>481618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>9843</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>720445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>14724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>2374000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>44112</Sole>
      <Shared>4400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>291867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>5965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>40426847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>826218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>826218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>8875184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6132</Sole>
      <Shared>0</Shared>
      <None>175253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>855199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>17478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>31911852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>603290</Sole>
      <Shared>1350</Shared>
      <None>47554</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF      </titleOfClass>
    <cusip>464288877</cusip>
    <value>232222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4746</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>10398977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>119498</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>781878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>362805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>4204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>48673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>782000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>24645803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>285583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>16523343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>191464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>724230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>32394890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>372712</Sole>
      <Shared>410</Shared>
      <None>2253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF      </titleOfClass>
    <cusip>464288885</cusip>
    <value>331436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS TP200 VL ETF    </titleOfClass>
    <cusip>464289420</cusip>
    <value>49028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS TP200 VL ETF    </titleOfClass>
    <cusip>464289420</cusip>
    <value>621015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF    </titleOfClass>
    <cusip>464289438</cusip>
    <value>10671187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>69370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF    </titleOfClass>
    <cusip>464289438</cusip>
    <value>60763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF    </titleOfClass>
    <cusip>464289438</cusip>
    <value>4231709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS TP200 GR ETF    </titleOfClass>
    <cusip>464289438</cusip>
    <value>1782274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US TREAS BD ETF     </titleOfClass>
    <cusip>46429B267</cusip>
    <value>306356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US TREAS BD ETF     </titleOfClass>
    <cusip>46429B267</cusip>
    <value>35066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US TREAS BD ETF     </titleOfClass>
    <cusip>46429B267</cusip>
    <value>617</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF    </titleOfClass>
    <cusip>46429B309</cusip>
    <value>249558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF    </titleOfClass>
    <cusip>46429B655</cusip>
    <value>1844203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF    </titleOfClass>
    <cusip>46429B655</cusip>
    <value>696735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF    </titleOfClass>
    <cusip>46429B655</cusip>
    <value>769916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14829</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF    </titleOfClass>
    <cusip>46429B655</cusip>
    <value>163408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>24510183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>245722</Sole>
      <Shared>0</Shared>
      <None>2131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>803086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>39000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>402383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3628</Sole>
      <Shared>0</Shared>
      <None>441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>396450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>772000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6907</Sole>
      <Shared>900</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>69520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>54647108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>552605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>552575</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>190858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1930</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>779055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF    </titleOfClass>
    <cusip>46429B663</cusip>
    <value>17157217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>163989</Sole>
      <Shared>0</Shared>
      <None>9509</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL    </titleOfClass>
    <cusip>46429B689</cusip>
    <value>277120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL    </titleOfClass>
    <cusip>46429B697</cusip>
    <value>729808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL    </titleOfClass>
    <cusip>46429B697</cusip>
    <value>32571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL    </titleOfClass>
    <cusip>46429B697</cusip>
    <value>3256955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL    </titleOfClass>
    <cusip>46429B697</cusip>
    <value>7893755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>108623</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL    </titleOfClass>
    <cusip>46429B697</cusip>
    <value>640780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7653</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL    </titleOfClass>
    <cusip>46429B697</cusip>
    <value>24052887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>142790</Sole>
      <Shared>0</Shared>
      <None>189524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL    </titleOfClass>
    <cusip>46429B697</cusip>
    <value>129357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1787</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>0-5 YR TIPS ETF     </titleOfClass>
    <cusip>46429B747</cusip>
    <value>274284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>0-5 YR TIPS ETF     </titleOfClass>
    <cusip>46429B747</cusip>
    <value>8820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>87930815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>667204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>664903</Sole>
      <Shared>0</Shared>
      <None>2301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>53394060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>404855</Sole>
      <Shared>0</Shared>
      <None>290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>31695000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>384168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>2915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>486042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2402</Sole>
      <Shared>0</Shared>
      <None>1286</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>46127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>28437000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>210753</Sole>
      <Shared>750</Shared>
      <None>4275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>6916076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>52478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>161443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>125830852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>954783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>951372</Sole>
      <Shared>0</Shared>
      <None>3411</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>7708333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>57911</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>2645552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>19764</Sole>
      <Shared>0</Shared>
      <None>310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>129528879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>982843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>726155</Sole>
      <Shared>0</Shared>
      <None>256688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT    </titleOfClass>
    <cusip>46432F339</cusip>
    <value>120587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>17692577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>194780</Sole>
      <Shared>0</Shared>
      <None>244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>2729311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>30085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>116938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>599</Sole>
      <Shared>0</Shared>
      <None>690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>505583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>3498000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>37961</Sole>
      <Shared>600</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>799969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>8818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>31332874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>344613</Sole>
      <Shared>0</Shared>
      <None>767</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>14969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>531801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA VALUE      </titleOfClass>
    <cusip>46432F388</cusip>
    <value>42422396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>331470</Sole>
      <Shared>0</Shared>
      <None>136149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM     </titleOfClass>
    <cusip>46432F396</cusip>
    <value>748373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM     </titleOfClass>
    <cusip>46432F396</cusip>
    <value>12431579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>88796</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM     </titleOfClass>
    <cusip>46432F396</cusip>
    <value>45822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM     </titleOfClass>
    <cusip>46432F396</cusip>
    <value>199375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1427</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL     </titleOfClass>
    <cusip>46432F834</cusip>
    <value>7356454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>122628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL     </titleOfClass>
    <cusip>46432F834</cusip>
    <value>1522246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>25375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL     </titleOfClass>
    <cusip>46432F834</cusip>
    <value>1522000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>25375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL     </titleOfClass>
    <cusip>46432F834</cusip>
    <value>38170857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>636287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL     </titleOfClass>
    <cusip>46432F834</cusip>
    <value>177810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL     </titleOfClass>
    <cusip>46432F834</cusip>
    <value>11563372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>188379</Sole>
      <Shared>0</Shared>
      <None>4376</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>160619144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2496024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2481132</Sole>
      <Shared>0</Shared>
      <None>14892</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>76748508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1192673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1192673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>48598000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>755212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>909266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>11250</Sole>
      <Shared>0</Shared>
      <None>2880</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>4050961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>62952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>39639000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>564380</Sole>
      <Shared>4055</Shared>
      <None>47550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>8737636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>135783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>238095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>350049521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5439775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5416635</Sole>
      <Shared>0</Shared>
      <None>23140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>2474626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26140</Sole>
      <Shared>0</Shared>
      <None>12316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>39897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>36567338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>568257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>568257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>260170821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4043059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4013789</Sole>
      <Shared>0</Shared>
      <None>29270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>126448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE      </titleOfClass>
    <cusip>46432F842</cusip>
    <value>224260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3485</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI INTL MOMENT    </titleOfClass>
    <cusip>46434V449</cusip>
    <value>238126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>17197640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>812359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>803178</Sole>
      <Shared>0</Shared>
      <None>9181</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>272331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>185767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>7257</Sole>
      <Shared>0</Shared>
      <None>1518</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>16724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>254760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>12034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>339000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>15999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>154033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>37232547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1746518</Sole>
      <Shared>0</Shared>
      <None>12223</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>4777429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3956</Sole>
      <Shared>0</Shared>
      <None>219611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>2900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>6297038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>297451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>29286143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1383379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1357618</Sole>
      <Shared>0</Shared>
      <None>25761</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF     </titleOfClass>
    <cusip>46434V647</cusip>
    <value>97510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI EURO      </titleOfClass>
    <cusip>46434V738</cusip>
    <value>273130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>HDG MSCI EAFE       </titleOfClass>
    <cusip>46434V803</cusip>
    <value>316000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>HDG MSCI EAFE       </titleOfClass>
    <cusip>46434V803</cusip>
    <value>315990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>10498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWRE USD ETF    </titleOfClass>
    <cusip>46435G193</cusip>
    <value>115023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWRE USD ETF    </titleOfClass>
    <cusip>46435G193</cusip>
    <value>980684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWRE USD ETF    </titleOfClass>
    <cusip>46435G193</cusip>
    <value>15864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>729</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE MSCI INTL      </titleOfClass>
    <cusip>46435G326</cusip>
    <value>288136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI UK ETF NEW     </titleOfClass>
    <cusip>46435G334</cusip>
    <value>403410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI UK ETF NEW     </titleOfClass>
    <cusip>46435G334</cusip>
    <value>11549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI USA    </titleOfClass>
    <cusip>46435G425</cusip>
    <value>417237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>4336</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI USA    </titleOfClass>
    <cusip>46435G425</cusip>
    <value>129126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR MSCI USA    </titleOfClass>
    <cusip>46435G425</cusip>
    <value>600273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>772459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>6267395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>90661</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>8791000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>127161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>2540528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>36750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>4538938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>65658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>681232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>9783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>2071550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>29966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE    </titleOfClass>
    <cusip>46435G516</cusip>
    <value>7306142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>105687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT    </titleOfClass>
    <cusip>46435U549</cusip>
    <value>222197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT    </titleOfClass>
    <cusip>46435U549</cusip>
    <value>12492879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>275781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT    </titleOfClass>
    <cusip>46435U549</cusip>
    <value>12493000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>275781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT    </titleOfClass>
    <cusip>46435U549</cusip>
    <value>506228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT    </titleOfClass>
    <cusip>46435U549</cusip>
    <value>345186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI      </titleOfClass>
    <cusip>46435U663</cusip>
    <value>528372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI      </titleOfClass>
    <cusip>46435U663</cusip>
    <value>3687468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>109583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI      </titleOfClass>
    <cusip>46435U663</cusip>
    <value>3679000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>109333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI      </titleOfClass>
    <cusip>46435U663</cusip>
    <value>225096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6679</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI      </titleOfClass>
    <cusip>46435U663</cusip>
    <value>4896782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>145521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI      </titleOfClass>
    <cusip>46435U663</cusip>
    <value>1038809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>30871</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ESG AWARE MSCI      </titleOfClass>
    <cusip>46435U663</cusip>
    <value>4882817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>145106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>BROAD USD HIGH      </titleOfClass>
    <cusip>46435U853</cusip>
    <value>791805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22000</Sole>
      <Shared>0</Shared>
      <None>812</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>BROAD USD HIGH      </titleOfClass>
    <cusip>46435U853</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>BROAD USD HIGH      </titleOfClass>
    <cusip>46435U853</cusip>
    <value>4130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>BROAD USD HIGH      </titleOfClass>
    <cusip>46435U853</cusip>
    <value>64352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>BROAD USD HIGH      </titleOfClass>
    <cusip>46435U853</cusip>
    <value>249174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6157</Sole>
      <Shared>0</Shared>
      <None>1022</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>BROAD USD HIGH      </titleOfClass>
    <cusip>46435U853</cusip>
    <value>208468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>BROAD USD HIGH      </titleOfClass>
    <cusip>46435U853</cusip>
    <value>4062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITRON INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>465741106</cusip>
    <value>8239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITRON INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>465741106</cusip>
    <value>6240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITRON INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>465741106</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITRON INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>465741106</cusip>
    <value>137214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2178</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITRON INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>465741106</cusip>
    <value>8360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITRON INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>465741106</cusip>
    <value>78572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>67852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>46018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>96441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>30548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>107701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>851</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>85313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>869</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45073V108</cusip>
    <value>15274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>2157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>102781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>103000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>204039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>68521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>125368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>242233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>603</Sole>
      <Shared>0</Shared>
      <None>1306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>1061435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8306</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>1107369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8727</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JABIL INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>466313103</cusip>
    <value>5964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>224952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>98280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>98000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>211575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>56648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>236418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1460</Sole>
      <Shared>0</Shared>
      <None>272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>38579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>5460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46982L108</cusip>
    <value>101420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>676</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS INTERNATIONAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>47103N106</cusip>
    <value>2204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS INTERNATIONAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>47103N106</cusip>
    <value>4548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS INTERNATIONAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>47103N106</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS INTERNATIONAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>47103N106</cusip>
    <value>78699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7052</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS INTERNATIONAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>47103N106</cusip>
    <value>4879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS INTERNATIONAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>47103N106</cusip>
    <value>46395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>197655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>39000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>38832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>104846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>24594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>67309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>411</Sole>
      <Shared>0</Shared>
      <None>109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>17216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>123097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JBG SMITH PPTYS                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46590V100</cusip>
    <value>7953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JBG SMITH PPTYS                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46590V100</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JBG SMITH PPTYS                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46590V100</cusip>
    <value>10700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JBG SMITH PPTYS                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46590V100</cusip>
    <value>36627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>2530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JBG SMITH PPTYS                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46590V100</cusip>
    <value>138079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JD.COM INC                              </nameOfIssuer>
    <titleOfClass>SPON ADR CL A       </titleOfClass>
    <cusip>47215P106</cusip>
    <value>1925318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>66094</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JD.COM INC                              </nameOfIssuer>
    <titleOfClass>SPON ADR CL A       </titleOfClass>
    <cusip>47215P106</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JD.COM INC                              </nameOfIssuer>
    <titleOfClass>SPON ADR CL A       </titleOfClass>
    <cusip>47215P106</cusip>
    <value>1602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JD.COM INC                              </nameOfIssuer>
    <titleOfClass>SPON ADR CL A       </titleOfClass>
    <cusip>47215P106</cusip>
    <value>256577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>9670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>236</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>93333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>23736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>41000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>41355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>694</Sole>
      <Shared>0</Shared>
      <None>435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>1190136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32491</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>226227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4249</Sole>
      <Shared>0</Shared>
      <None>1927</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>124212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2086</Sole>
      <Shared>0</Shared>
      <None>1305</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JEFFERIES FINL GROUP INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>47233W109</cusip>
    <value>182271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3119</Sole>
      <Shared>0</Shared>
      <None>1857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHN BEAN TECHNOLOGIES CORP             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>477839104</cusip>
    <value>4942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHN BEAN TECHNOLOGIES CORP             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>477839104</cusip>
    <value>312792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHN BEAN TECHNOLOGIES CORP             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>477839104</cusip>
    <value>313000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHN BEAN TECHNOLOGIES CORP             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>477839104</cusip>
    <value>9147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>56314372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>357232</Sole>
      <Shared>0</Shared>
      <None>4337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>10637258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>67975</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>5352000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>34365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>50775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>97188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>624</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>31150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>5747175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>36900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>1276683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>8197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>501271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>4628000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>29391</Sole>
      <Shared>325</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>266021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>20731571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>133100</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>3655608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>23320</Sole>
      <Shared>0</Shared>
      <None>151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>7737816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>49571</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>2431173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5716</Sole>
      <Shared>0</Shared>
      <None>9893</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>49905104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>307176</Sole>
      <Shared>0</Shared>
      <None>13242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>34945783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>162530</Sole>
      <Shared>0</Shared>
      <None>61841</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>117909136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>757041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>697904</Sole>
      <Shared>0</Shared>
      <None>59137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>1473707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>88622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>569</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>478160104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>3225590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60197</Sole>
      <Shared>0</Shared>
      <None>423</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>4879304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>90190</Sole>
      <Shared>0</Shared>
      <None>1509</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>881000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>29957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>42515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>799</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>1129702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>21231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>124192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>105937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>2314000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>42805</Sole>
      <Shared>675</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>137335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>13867856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>246867</Sole>
      <Shared>0</Shared>
      <None>13758</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>647459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>6827</Sole>
      <Shared>0</Shared>
      <None>5341</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>5250124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>74248</Sole>
      <Shared>0</Shared>
      <None>24420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>153859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2352</Sole>
      <Shared>0</Shared>
      <None>520</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>8923477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>163730</Sole>
      <Shared>0</Shared>
      <None>3973</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>1143483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>21470</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>4250308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>72423</Sole>
      <Shared>0</Shared>
      <None>7455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>331285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>3600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>4520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>4659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>42354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>88661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>23295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>176899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>10307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48020Q107</cusip>
    <value>3247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>43481202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>291221</Sole>
      <Shared>0</Shared>
      <None>8608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>12569899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>85993</Sole>
      <Shared>0</Shared>
      <None>684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>2512000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>81646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>123557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>10877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>6739079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>46470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>1444689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>9962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>718348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>5241000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>35610</Sole>
      <Shared>530</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>499449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>3444</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>45182866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>309090</Sole>
      <Shared>0</Shared>
      <None>2473</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>7773942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>52469</Sole>
      <Shared>0</Shared>
      <None>1137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>16735018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>110906</Sole>
      <Shared>0</Shared>
      <None>4492</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>57085383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>393638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>379803</Sole>
      <Shared>0</Shared>
      <None>13835</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>6213689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17469</Sole>
      <Shared>0</Shared>
      <None>25378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>24395990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>88362</Sole>
      <Shared>0</Shared>
      <None>79863</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>67559452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>434717</Sole>
      <Shared>0</Shared>
      <None>31146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>478276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>42491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>293</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>5783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>4998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46625H100</cusip>
    <value>1460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>2890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>53079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>117830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>32653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>5812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>65779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>667</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48203R104</cusip>
    <value>146064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3891</Sole>
      <Shared>0</Shared>
      <None>1365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KADANT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48282T104</cusip>
    <value>435000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1929</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KADANT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48282T104</cusip>
    <value>435086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1929</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KADANT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48282T104</cusip>
    <value>32705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KADANT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48282T104</cusip>
    <value>677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANZHUN LIMITED                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>48553T106</cusip>
    <value>919150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>60590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANZHUN LIMITED                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>48553T106</cusip>
    <value>169146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KB FINL GROUP INC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>48241A105</cusip>
    <value>617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KB FINL GROUP INC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>48241A105</cusip>
    <value>214923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48242W106</cusip>
    <value>2614814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>43564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48242W106</cusip>
    <value>2615000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>43564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48242W106</cusip>
    <value>111986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48242W106</cusip>
    <value>27407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48242W106</cusip>
    <value>2186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48242W106</cusip>
    <value>8016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KBR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48242W106</cusip>
    <value>3536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>246550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4128</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>104143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>104000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>187457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>49988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>264760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3614</Sole>
      <Shared>0</Shared>
      <None>835</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>148494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>4463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>327662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5461</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>400621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLANOVA                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>487836108</cusip>
    <value>536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENNEDY-WILSON HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>489398107</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENNEDY-WILSON HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>489398107</cusip>
    <value>8166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENNEDY-WILSON HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>489398107</cusip>
    <value>3331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENNEDY-WILSON HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>489398107</cusip>
    <value>152456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>29638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>400596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>100400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>8534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>49076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>1519</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>51786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>904986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>38453</Sole>
      <Shared>0</Shared>
      <None>6616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49177J102</cusip>
    <value>373347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>6030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>172000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>172057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>385154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>95783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>401476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8543</Sole>
      <Shared>0</Shared>
      <None>4174</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>108803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3427</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>2649197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3881</Sole>
      <Shared>0</Shared>
      <None>80034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49271V100</cusip>
    <value>3757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>1200784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>111372</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>126903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>38951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>170632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12729</Sole>
      <Shared>0</Shared>
      <None>3129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>25475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>4519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>248599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22888</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>493267108</cusip>
    <value>2734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>711563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5170</Sole>
      <Shared>0</Shared>
      <None>208</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>145541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>146000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>297698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>81371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>268987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>1891</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>257608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1076</Sole>
      <Shared>0</Shared>
      <None>871</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>562185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49338L103</cusip>
    <value>530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>5121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>136</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>20547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>48205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>11380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>7362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>152297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2947</Sole>
      <Shared>0</Shared>
      <None>1871</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>17164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>533</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>297735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KILROY RLTY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49427F108</cusip>
    <value>1297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>2660513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20467</Sole>
      <Shared>0</Shared>
      <None>1548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>241700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>242000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>519655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>147437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>9305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>3651845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28760</Sole>
      <Shared>0</Shared>
      <None>1458</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>142928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>3920374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>32314</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>494368103</cusip>
    <value>7462729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>50992</Sole>
      <Shared>0</Shared>
      <None>10760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>2199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>77273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4244</Sole>
      <Shared>0</Shared>
      <None>149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>75000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>131151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>36288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2063</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>3245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>47528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1360</Sole>
      <Shared>0</Shared>
      <None>1342</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>61020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1346</Sole>
      <Shared>0</Shared>
      <None>2123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMCO RLTY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49446R109</cusip>
    <value>957776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>54450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>496322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29852</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>205758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>206000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>404635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>24405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>109677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>3101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>726934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>36384</Sole>
      <Shared>0</Shared>
      <None>7460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49456B101</cusip>
    <value>211975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9058</Sole>
      <Shared>0</Shared>
      <None>3727</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS LTD             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>G5269C101</cusip>
    <value>320303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS LTD             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>G5269C101</cusip>
    <value>320000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS LTD             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>G5269C101</cusip>
    <value>2084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS LTD             </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>G5269C101</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>473351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>124239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>63000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>62948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>236882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>187601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49714P108</cusip>
    <value>270013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>965779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>11264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>966000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>11264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>66240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>14490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>69386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>10847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>3560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>3984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>8225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>160115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7146</Sole>
      <Shared>0</Shared>
      <None>329</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>11588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>89921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4184</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>410878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>74598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>1044</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>2772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>519534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>131454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>3000</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>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>4189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>391591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4965</Sole>
      <Shared>0</Shared>
      <None>1392</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48251W104</cusip>
    <value>10534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>76596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>380688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>381000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>802655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>215570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>423805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>988412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1582</Sole>
      <Shared>0</Shared>
      <None>573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>4937934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10421</Sole>
      <Shared>0</Shared>
      <None>345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>482480100</cusip>
    <value>122921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>14014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>3027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>8155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>20362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>4737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>2100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>3606291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>73843</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>2106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>65195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>65000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>102055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>24824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>99096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1381</Sole>
      <Shared>0</Shared>
      <None>595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>11435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>2106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>159577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3120</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNOWLES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49926D109</cusip>
    <value>1466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNOWLES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49926D109</cusip>
    <value>7612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNOWLES CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>49926D109</cusip>
    <value>255087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13512</Sole>
      <Shared>0</Shared>
      <None>3712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>144585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7230</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>46899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2352</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>47000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>76290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3316</Sole>
      <Shared>0</Shared>
      <None>510</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>16112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50050N103</cusip>
    <value>183763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4087</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50050N103</cusip>
    <value>58400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1210</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50050N103</cusip>
    <value>13876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50050N103</cusip>
    <value>2459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>380906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11210</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>145022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4250</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>143000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>341446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>86623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>464705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>614939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14194</Sole>
      <Shared>0</Shared>
      <None>4086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>4504497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>131272</Sole>
      <Shared>0</Shared>
      <None>2631</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>39897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500754106</cusip>
    <value>875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>225227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4996</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>184818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3900</Sole>
      <Shared>0</Shared>
      <None>230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>175000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>360238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>97331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>8816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>433951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9697</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>970449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18859</Sole>
      <Shared>0</Shared>
      <None>2827</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>745535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14535</Sole>
      <Shared>0</Shared>
      <None>2125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501044101</cusip>
    <value>537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KT CORP                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>48268K101</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KT CORP                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>48268K101</cusip>
    <value>152327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>16414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>15825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>36421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>10102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>4530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>358368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23119</Sole>
      <Shared>0</Shared>
      <None>614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>1284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>66591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>252474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1436</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>236977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>237000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>423460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2432</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>105865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>337270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1462</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>124439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>715</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>1045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>1500740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2163</Sole>
      <Shared>0</Shared>
      <None>6456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>502431109</cusip>
    <value>2786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>1720787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8556</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>116810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>111000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>232615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>55691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>417782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>1606807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7815</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>1009472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>1225802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4957</Sole>
      <Shared>0</Shared>
      <None>1140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>50540R409</cusip>
    <value>1810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>1625841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2580</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>506430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>489000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>1084312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>296462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>6268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>2332211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3370</Sole>
      <Shared>0</Shared>
      <None>351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>270004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>370421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>557</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>1420888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1944</Sole>
      <Shared>0</Shared>
      <None>323</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>512807108</cusip>
    <value>13789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>1552125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>40650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>95991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>27545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>246988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2171</Sole>
      <Shared>0</Shared>
      <None>788</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>100414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1108</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>1419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>512816109</cusip>
    <value>212849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>2090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>229393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2478</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>118626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>83000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>175674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>43456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>196000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>160326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>1204014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12653</Sole>
      <Shared>0</Shared>
      <None>369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>63712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>662</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>610236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5704</Sole>
      <Shared>0</Shared>
      <None>896</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513272104</cusip>
    <value>319819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANCASTER COLONY CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513847103</cusip>
    <value>200181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1208</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANCASTER COLONY CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513847103</cusip>
    <value>71623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANCASTER COLONY CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>513847103</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>82277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>46004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>77854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>25656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>136775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>261</Sole>
      <Shared>0</Shared>
      <None>512</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>75082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>515098101</cusip>
    <value>275849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1557</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>12973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>103278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2190</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>100000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>198029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>49278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>2796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>431217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8134</Sole>
      <Shared>0</Shared>
      <None>1273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>9839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>163649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3540</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>517834107</cusip>
    <value>293284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5260</Sole>
      <Shared>0</Shared>
      <None>1138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>6531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>68744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>69000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>141785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>39528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>130614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>679</Sole>
      <Shared>0</Shared>
      <None>841</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>11859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>687</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>LATTICE SEMICONDUCTOR CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>518415104</cusip>
    <value>13921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>1574728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10875</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>465306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>329000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>4915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>14455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>426423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>116363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>17000</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>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>46834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>2518061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17419</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>1840700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>12734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>1579353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>10908</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>1728529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10933</Sole>
      <Shared>0</Shared>
      <None>1025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>282795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>801</Sole>
      <Shared>0</Shared>
      <None>1155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>228823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1539</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>874383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5756</Sole>
      <Shared>0</Shared>
      <None>293</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>518439104</cusip>
    <value>2169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>57400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>205596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>13799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>49616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>5272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>8652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>206000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>32219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1039</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>592725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>7912</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>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>69773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD                              </nameOfIssuer>
    <titleOfClass>SHS A               </titleOfClass>
    <cusip>G54050102</cusip>
    <value>177253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>5049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>96000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>95580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>222511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1855</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>295546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>594497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5063</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>112191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>49654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>93940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>27511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>96490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>614</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>65624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>489</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP                               </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>521865204</cusip>
    <value>17714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGALZOOM COM INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>52466B103</cusip>
    <value>644000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58846</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGALZOOM COM INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>52466B103</cusip>
    <value>643775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58846</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGALZOOM COM INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>52466B103</cusip>
    <value>1105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>19058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>44976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>16644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>92315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3021</Sole>
      <Shared>0</Shared>
      <None>612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>1205</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>LEGGETT &amp; PLATT INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>524660107</cusip>
    <value>1150997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>36897</Sole>
      <Shared>0</Shared>
      <None>8400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>72806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>73000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>165888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>49306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>73000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>72991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>668</Sole>
      <Shared>0</Shared>
      <None>124</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>244961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2338</Sole>
      <Shared>0</Shared>
      <None>320</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>5438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>221368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2016</Sole>
      <Shared>0</Shared>
      <None>386</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>525327102</cusip>
    <value>515635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5024</Sole>
      <Shared>0</Shared>
      <None>571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>123565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>402457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3484</Sole>
      <Shared>0</Shared>
      <None>102</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>179000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>365870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>101231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>902</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>712000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>511208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>155849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>4582463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>40119</Sole>
      <Shared>0</Shared>
      <None>712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>299205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>2118678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18381</Sole>
      <Shared>0</Shared>
      <None>497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>526057104</cusip>
    <value>341853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>47554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>82377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>82000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>149776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>50549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>140133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>124</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>47179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>5242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>526107107</cusip>
    <value>428359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>84000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>83558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>138624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>37076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>3927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>126113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>758</Sole>
      <Shared>0</Shared>
      <None>623</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>365097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3110</Sole>
      <Shared>0</Shared>
      <None>888</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY BROADBAND CORP                  </nameOfIssuer>
    <titleOfClass>COM SER C           </titleOfClass>
    <cusip>530307305</cusip>
    <value>1005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY MEDIA CORP DEL                  </nameOfIssuer>
    <titleOfClass>COM LBTY ONE S C    </titleOfClass>
    <cusip>531229755</cusip>
    <value>13831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>222</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>71645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</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>72000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</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>167276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2685</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>32645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>524</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>106782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1433</Sole>
      <Shared>0</Shared>
      <None>281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY MEDIA CORP DEL                  </nameOfIssuer>
    <titleOfClass>COM LBTY ONE S C    </titleOfClass>
    <cusip>531229755</cusip>
    <value>79682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY MEDIA CORP DEL                  </nameOfIssuer>
    <titleOfClass>COM LBTY ONE S C    </titleOfClass>
    <cusip>531229755</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY MEDIA CORP DEL                  </nameOfIssuer>
    <titleOfClass>COM LBTY ONE S C    </titleOfClass>
    <cusip>531229755</cusip>
    <value>2181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LI-CYCLE HOLDINGS CORP                  </nameOfIssuer>
    <titleOfClass>COMMON SHARES       </titleOfClass>
    <cusip>50202P105</cusip>
    <value>686073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>193260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>170155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>58173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>58000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>136343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>42721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>10362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>95000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>94713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>1412327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7151</Sole>
      <Shared>0</Shared>
      <None>618</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>108493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>307225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN ELEC HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>533900106</cusip>
    <value>3506366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>19288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>2864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>60688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>13333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>77107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2444</Sole>
      <Shared>0</Shared>
      <None>679</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>46444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1881</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>121771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3623</Sole>
      <Shared>0</Shared>
      <None>1309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>534187109</cusip>
    <value>4272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1728449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4107</Sole>
      <Shared>0</Shared>
      <None>535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1439877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3825</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1136000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>14894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>2319741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>636719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>195484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>307000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>2979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>5921854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13953</Sole>
      <Shared>0</Shared>
      <None>1951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>429463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>886938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2351</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>5480992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13258</Sole>
      <Shared>0</Shared>
      <None>1462</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>768903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>18990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>521848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>59066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>59000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>103366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>25103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>100117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>1187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
    <value>2067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>49464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>72465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>17312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>87000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>87304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>396454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1198</Sole>
      <Shared>0</Shared>
      <None>405</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>37593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>267848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LITTELFUSE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>537008104</cusip>
    <value>384088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>1495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>81794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>80000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>155285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>51070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>40025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>538034109</cusip>
    <value>111606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>1268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>2327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>83177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>83000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>161799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>40103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>90876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>227696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2566</Sole>
      <Shared>0</Shared>
      <None>2033</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>4951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>242351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4360</Sole>
      <Shared>0</Shared>
      <None>535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>1223392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>24710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>1139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LLOYDS BANKING GROUP PLC                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>539439109</cusip>
    <value>7981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2987</Sole>
      <Shared>0</Shared>
      <None>760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LLOYDS BANKING GROUP PLC                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>539439109</cusip>
    <value>20239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9502</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LLOYDS BANKING GROUP PLC                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>539439109</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LLOYDS BANKING GROUP PLC                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>539439109</cusip>
    <value>49054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8938</Sole>
      <Shared>0</Shared>
      <None>14092</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>12191916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28984</Sole>
      <Shared>0</Shared>
      <None>828</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>6812865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16597</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>1633000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>54801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>65025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>2224742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>318989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>258830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>2547000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6089</Sole>
      <Shared>140</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>274821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>672</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>22013090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>53822</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>3184980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>7723</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>7859393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19174</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>19923713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>47964</Sole>
      <Shared>0</Shared>
      <None>754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>577749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>2690548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>15917132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37515</Sole>
      <Shared>0</Shared>
      <None>1406</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>485436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>5726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>1365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>2625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>539830109</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>4242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>6837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>170937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>41152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>104778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1324</Sole>
      <Shared>0</Shared>
      <None>331</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>4116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOEWS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>540424108</cusip>
    <value>110666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1680</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>6306073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29917</Sole>
      <Shared>0</Shared>
      <None>424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>2161328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9603</Sole>
      <Shared>0</Shared>
      <None>796</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>1245000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>17459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>31176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>1538016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>422954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>155880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>814000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>169182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>9422634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>43643</Sole>
      <Shared>0</Shared>
      <None>1693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>6641112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>31953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>5701259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>27385</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>3503746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11867</Sole>
      <Shared>0</Shared>
      <None>4991</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>14907324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>56099</Sole>
      <Shared>0</Shared>
      <None>15626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>564909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1825</Sole>
      <Shared>0</Shared>
      <None>893</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>28488629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>103671</Sole>
      <Shared>0</Shared>
      <None>33399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>548661107</cusip>
    <value>12055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>61076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>249533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>70107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>236224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>101133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>464130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>1898</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>1426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>2935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>359</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>17888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>49472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>10705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>19906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3561</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>24255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>6138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>689</Sole>
      <Shared>0</Shared>
      <None>409</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUCID GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>549498103</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>407590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1039</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>273397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>270000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>539854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>150388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>3085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>1303362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2802</Sole>
      <Shared>0</Shared>
      <None>578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>521538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>203216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>1064669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2724</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550021109</cusip>
    <value>82521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>1204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>9034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>6937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>5818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>10854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3220</Sole>
      <Shared>0</Shared>
      <None>4424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUMEN TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>550241103</cusip>
    <value>10304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LXP INDUSTRIAL TRUST                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>529043101</cusip>
    <value>4824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LXP INDUSTRIAL TRUST                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>529043101</cusip>
    <value>4388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LXP INDUSTRIAL TRUST                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>529043101</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LXP INDUSTRIAL TRUST                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>529043101</cusip>
    <value>89258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9065</Sole>
      <Shared>0</Shared>
      <None>964</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LXP INDUSTRIAL TRUST                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>529043101</cusip>
    <value>5927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>554</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LXP INDUSTRIAL TRUST                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>529043101</cusip>
    <value>46440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LXP INDUSTRIAL TRUST                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>529043101</cusip>
    <value>228881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>25717</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>2108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>18445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>45322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>10856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>16727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1587</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>48979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3978</Sole>
      <Shared>0</Shared>
      <None>669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>4838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>459</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYFT INC                                </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>55087P104</cusip>
    <value>1181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>243000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2534</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>181066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>175000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>303040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>87124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>435336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3548</Sole>
      <Shared>0</Shared>
      <None>1049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>82935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>876</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>550586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5178</Sole>
      <Shared>0</Shared>
      <None>636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>42615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>9172051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>103138690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>815648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>103110000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>815423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>293743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>94964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>28000</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>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>817752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>432889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>3027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M &amp; T BK CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55261F104</cusip>
    <value>317137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2508</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M D C HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552676108</cusip>
    <value>6102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M D C HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552676108</cusip>
    <value>100000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M D C HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552676108</cusip>
    <value>99653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M D C HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552676108</cusip>
    <value>226476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5409</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M D C HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552676108</cusip>
    <value>300814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>M D C HLDGS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552676108</cusip>
    <value>544731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10804</Sole>
      <Shared>0</Shared>
      <None>2408</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>554382101</cusip>
    <value>1026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>554382101</cusip>
    <value>4899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>141</Sole>
      <Shared>0</Shared>
      <None>308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>554382101</cusip>
    <value>1484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>554382101</cusip>
    <value>3535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>554382101</cusip>
    <value>206352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>11610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>17415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>41216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>9985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>172850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10612</Sole>
      <Shared>0</Shared>
      <None>4276</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>15288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55616P104</cusip>
    <value>13468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1041</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>1763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>17630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>40373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>17630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>209318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>133283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>752</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>55825T103</cusip>
    <value>882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>559663109</cusip>
    <value>119292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5207</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>559663109</cusip>
    <value>9737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>559663109</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>559663109</cusip>
    <value>174987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7295</Sole>
      <Shared>0</Shared>
      <None>343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>559663109</cusip>
    <value>11363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>559663109</cusip>
    <value>99429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAIN STR CAP CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56035L104</cusip>
    <value>2086351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>51350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>403622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2042</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>79064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>79000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>152791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>43485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>309931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>888</Sole>
      <Shared>0</Shared>
      <None>680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>165837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>839</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>562750109</cusip>
    <value>459955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1927</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANULIFE FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56501R106</cusip>
    <value>34951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1912</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANULIFE FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56501R106</cusip>
    <value>110082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MANULIFE FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56501R106</cusip>
    <value>18280</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>MANULIFE FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56501R106</cusip>
    <value>584466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30150</Sole>
      <Shared>0</Shared>
      <None>1823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>120589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4280</Sole>
      <Shared>0</Shared>
      <None>228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>114000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>199288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>61793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>1232266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>307812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8452</Sole>
      <Shared>0</Shared>
      <None>3055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>626137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15131</Sole>
      <Shared>0</Shared>
      <None>8276</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON OIL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>565849106</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>396965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2562</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>458560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>459000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>839937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>217022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>8475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>1248858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6324</Sole>
      <Shared>0</Shared>
      <None>1928</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>48581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>20885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>1621154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8608</Sole>
      <Shared>0</Shared>
      <None>2104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>56585A102</cusip>
    <value>10897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>1740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>8580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>3300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>358</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>91230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9108</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>3860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARAVAI LIFESCIENCES HLDGS I            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>56600D107</cusip>
    <value>38890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>570535104</cusip>
    <value>265048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>570535104</cusip>
    <value>73625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>570535104</cusip>
    <value>14725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>570535104</cusip>
    <value>2696129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1664</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>570535104</cusip>
    <value>41230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>570535104</cusip>
    <value>742135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKEL GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>570535104</cusip>
    <value>599303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>176680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>823</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>67510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>106820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>32046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>42728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>203000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>135661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>1201298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5513</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>639211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2578</Sole>
      <Shared>0</Shared>
      <None>414</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARKETAXESS HLDGS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57060D108</cusip>
    <value>17305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>6794686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34546</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>3306925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16781</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>3180000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>5111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>636068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>170221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>866</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>10025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>2921000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>34005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>2833412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13783</Sole>
      <Shared>0</Shared>
      <None>632</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>603984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>816</Sole>
      <Shared>0</Shared>
      <None>2257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>6880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>2057983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9300</Sole>
      <Shared>0</Shared>
      <None>1170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>571903202</cusip>
    <value>95136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>5991405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31444</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>2667435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13950</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>2393000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>5138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>1196987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>325413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>2638000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>27784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>1736868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6523</Sole>
      <Shared>0</Shared>
      <None>2604</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>501425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>925</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>1146938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4603</Sole>
      <Shared>0</Shared>
      <None>1424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>666621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>571748102</cusip>
    <value>92106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTEN TRANS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573075108</cusip>
    <value>6287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTEN TRANS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573075108</cusip>
    <value>6465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTEN TRANS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573075108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTEN TRANS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573075108</cusip>
    <value>114417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5647</Sole>
      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTEN TRANS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573075108</cusip>
    <value>7174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTEN TRANS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573075108</cusip>
    <value>66797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>847231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>522131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>164000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>328384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>88253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>855000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>520899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>4681935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11204</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>6158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>318532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573284106</cusip>
    <value>2625020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6145</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>246670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4512</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>292627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>287000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>590612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>152430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2816</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>51099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>1245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>994585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15766</Sole>
      <Shared>0</Shared>
      <None>2608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>13533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>9581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARVELL TECHNOLOGY INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>573874104</cusip>
    <value>1607282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16163</Sole>
      <Shared>0</Shared>
      <None>13530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>12240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>194</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>94072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>94000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>145919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>48105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>121118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1903</Sole>
      <Shared>0</Shared>
      <None>363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>16897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>137634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2487</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>574599106</cusip>
    <value>6414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>10768752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24759</Sole>
      <Shared>0</Shared>
      <None>2441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>7595533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>18949</Sole>
      <Shared>0</Shared>
      <None>236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>1881000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>19400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>12669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>4244155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>1144576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2891</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>612838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>4034000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>260905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>27425478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>67700</Sole>
      <Shared>0</Shared>
      <None>1572</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>7839810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>19230</Sole>
      <Shared>0</Shared>
      <None>572</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>11802473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>27029</Sole>
      <Shared>0</Shared>
      <None>2782</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>53007202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>127838</Sole>
      <Shared>0</Shared>
      <None>6049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>2718638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6867</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>9644368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>23085</Sole>
      <Shared>0</Shared>
      <None>1275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>40300867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>96439</Sole>
      <Shared>0</Shared>
      <None>5354</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>847643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
    <value>37216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>576485205</cusip>
    <value>44313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>709</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>576485205</cusip>
    <value>9814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>576485205</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>576485205</cusip>
    <value>185161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2933</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>576485205</cusip>
    <value>10468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>576485205</cusip>
    <value>99807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>2037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>70554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>71000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>132882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>37299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>487454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10910</Sole>
      <Shared>0</Shared>
      <None>1533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>28755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>734</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>57156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1416</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57667L107</cusip>
    <value>745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATSON INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57686G105</cusip>
    <value>7009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATSON INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57686G105</cusip>
    <value>1050090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATSON INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57686G105</cusip>
    <value>1050000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATSON INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57686G105</cusip>
    <value>10203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>1498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>46263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>101338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>28220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>21281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>8746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>397</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>6939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATTEL INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>577081102</cusip>
    <value>1168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAXCYTE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57777K106</cusip>
    <value>255000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAXCYTE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57777K106</cusip>
    <value>254845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAXCYTE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>57777K106</cusip>
    <value>471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>151</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>783933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10091</Sole>
      <Shared>0</Shared>
      <None>273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC                      </nameOfIssuer>
    <titleOfClass>COM NON VTG         </titleOfClass>
    <cusip>579780206</cusip>
    <value>129798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC                      </nameOfIssuer>
    <titleOfClass>COM NON VTG         </titleOfClass>
    <cusip>579780206</cusip>
    <value>121000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</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>234484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3100</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>69816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>923</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>9000</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>MCCORMICK &amp; CO INC                      </nameOfIssuer>
    <titleOfClass>COM NON VTG         </titleOfClass>
    <cusip>579780206</cusip>
    <value>472523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4697</Sole>
      <Shared>0</Shared>
      <None>1550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC                      </nameOfIssuer>
    <titleOfClass>COM NON VTG         </titleOfClass>
    <cusip>579780206</cusip>
    <value>6818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC                      </nameOfIssuer>
    <titleOfClass>COM NON VTG         </titleOfClass>
    <cusip>579780206</cusip>
    <value>5976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>79</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC                      </nameOfIssuer>
    <titleOfClass>COM NON VTG         </titleOfClass>
    <cusip>579780206</cusip>
    <value>5900147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>70109</Sole>
      <Shared>0</Shared>
      <None>7894</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC                      </nameOfIssuer>
    <titleOfClass>COM NON VTG         </titleOfClass>
    <cusip>579780206</cusip>
    <value>43342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>66555482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>251219</Sole>
      <Shared>0</Shared>
      <None>1421</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>4694764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17709</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>1822000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>20548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>30032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>2890991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>665976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>268424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>1575000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5890</Sole>
      <Shared>90</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>100107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>10448294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>39658</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>285306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1040</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>3086990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>11695</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>26163280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>96728</Sole>
      <Shared>0</Shared>
      <None>2586</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>2144746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1190</Sole>
      <Shared>0</Shared>
      <None>6951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>799540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2998</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>20279611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>66774</Sole>
      <Shared>0</Shared>
      <None>10206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>951282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>9748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580135101</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCGRATH RENTCORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580589109</cusip>
    <value>1023751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCGRATH RENTCORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>580589109</cusip>
    <value>1024000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>9705852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22296</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>4008882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9198</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>3857000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>9132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>760988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>197857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>13480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>3570000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>44355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>538806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>722</Sole>
      <Shared>0</Shared>
      <None>515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>2759123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5796</Sole>
      <Shared>0</Shared>
      <None>549</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>233949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>505</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>6707996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15034</Sole>
      <Shared>0</Shared>
      <None>392</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>672278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCKESSON CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58155Q103</cusip>
    <value>114801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>22517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>86152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>11259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>9353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>89833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4343</Sole>
      <Shared>0</Shared>
      <None>245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>3427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MDU RES GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552690109</cusip>
    <value>6189121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>316047</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDIAALPHA INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>58450V104</cusip>
    <value>13679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDIAALPHA INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>58450V104</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDIAALPHA INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>58450V104</cusip>
    <value>131499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDIAALPHA INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>58450V104</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDIAALPHA INC                          </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>58450V104</cusip>
    <value>58043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>18241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>297</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>39240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>13271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>58075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7353</Sole>
      <Shared>0</Shared>
      <None>3303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>3379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>43600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>3744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>226546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>41568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDICAL PPTYS TRUST INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58463J304</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDPACE HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58506Q109</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDPACE HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58506Q109</cusip>
    <value>60533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDPACE HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58506Q109</cusip>
    <value>254963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDPACE HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58506Q109</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>4484778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56789</Sole>
      <Shared>0</Shared>
      <None>444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>5972442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>75992</Sole>
      <Shared>0</Shared>
      <None>226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1715000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>21880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>30090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>37848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>483</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1863087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>349877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>198965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2645000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>33380</Sole>
      <Shared>380</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>184224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>18071540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>230603</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2388883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>30311</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>6089434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>77581</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>291164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1414</Sole>
      <Shared>0</Shared>
      <None>2277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>11280471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>138619</Sole>
      <Shared>0</Shared>
      <None>5338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1391987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>17764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>12762258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>143070</Sole>
      <Shared>0</Shared>
      <None>19797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>903648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>5799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>361346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>157217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>10143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>157000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>1464401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1148</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>50716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>305559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58733R102</cusip>
    <value>1610208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1229</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>24253888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225473</Sole>
      <Shared>0</Shared>
      <None>10116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>9141239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>88454</Sole>
      <Shared>0</Shared>
      <None>339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>4607000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>39430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>67844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>10295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>4047582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>39316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>897621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>8719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>397678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>4734000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>45598</Sole>
      <Shared>385</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>220828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>19632256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>190687</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>2942105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>28401</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>6778537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>65713</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>50230540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>472938</Sole>
      <Shared>0</Shared>
      <None>14974</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>2440108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4153</Sole>
      <Shared>0</Shared>
      <None>19421</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>15277574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>86786</Sole>
      <Shared>0</Shared>
      <None>61612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>97631706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>948341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>855290</Sole>
      <Shared>0</Shared>
      <None>93051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>1362440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>95332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58933Y105</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>2967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>758120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>20140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>758000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>20140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>24109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>10200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>40910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCURY SYS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589378108</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERIT MED SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589889104</cusip>
    <value>7799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERIT MED SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589889104</cusip>
    <value>604063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERIT MED SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589889104</cusip>
    <value>604000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERIT MED SYS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>589889104</cusip>
    <value>6488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MESA LABS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59064R109</cusip>
    <value>6409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MESA LABS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59064R109</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MESA LABS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59064R109</cusip>
    <value>27738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MESA LABS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59064R109</cusip>
    <value>122617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MESA LABS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59064R109</cusip>
    <value>82900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MESA LABS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59064R109</cusip>
    <value>145627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>11101466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36771</Sole>
      <Shared>0</Shared>
      <None>208</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>13141393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>43550</Sole>
      <Shared>0</Shared>
      <None>224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>10832000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>36080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>18013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>8444907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>28130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>2288201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7622</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>511558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1704</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>7074000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>23565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>44731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>10140794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>33779</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>169018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>2635844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>8780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>22408275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>66197</Sole>
      <Shared>0</Shared>
      <None>8445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>2195736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1209</Sole>
      <Shared>0</Shared>
      <None>6105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>3167516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9366</Sole>
      <Shared>0</Shared>
      <None>1185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>12522660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>35092</Sole>
      <Shared>0</Shared>
      <None>6621</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>1595616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
    <value>223657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>745</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>5014053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78519</Sole>
      <Shared>0</Shared>
      <None>1183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>3396637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>53852</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>319000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>40137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>638</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>42150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>1305445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>144064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>90369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>1650000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>25563</Sole>
      <Shared>665</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>178035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>10915011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>173493</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>2242364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>35335</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>4408418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>69865</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>13470289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>211724</Sole>
      <Shared>0</Shared>
      <None>2396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>459559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2351</Sole>
      <Shared>0</Shared>
      <None>4954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>3219168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>51147</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>7598899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>114812</Sole>
      <Shared>0</Shared>
      <None>5978</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>4090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>7260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>9350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59156R108</cusip>
    <value>385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>2995113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>1939123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>1662000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>15513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>299179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>88646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>1768000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1596</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>13297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>3560229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3127</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>259289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>392257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>2097577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1797</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>592688105</cusip>
    <value>49864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MFA FINL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55272X607</cusip>
    <value>64377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MFA FINL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55272X607</cusip>
    <value>87798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGIC INVT CORP WIS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552848103</cusip>
    <value>60084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGIC INVT CORP WIS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552848103</cusip>
    <value>22281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGIC INVT CORP WIS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552848103</cusip>
    <value>95434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5718</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>37275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>917</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>85651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>86000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>147408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>40804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>172404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3536</Sole>
      <Shared>0</Shared>
      <None>1154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>344912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MGM RESORTS INTERNATIONAL               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>552953101</cusip>
    <value>85908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2168</Sole>
      <Shared>0</Shared>
      <None>169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>1099959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10053</Sole>
      <Shared>0</Shared>
      <None>4040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>643132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8132</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>260000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>544633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>140490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>10771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>821000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>463929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>5944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>9289667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>115590</Sole>
      <Shared>0</Shared>
      <None>3432</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>31035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>398</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>524106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595017104</cusip>
    <value>13658438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>174071</Sole>
      <Shared>0</Shared>
      <None>925</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>5715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>462468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6670</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>454000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>952420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>253412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>860375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8502</Sole>
      <Shared>0</Shared>
      <None>4145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>204037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>2559</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>13402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>338585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2363</Sole>
      <Shared>0</Shared>
      <None>2614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>595112103</cusip>
    <value>4014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>120528090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>381720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>364113</Sole>
      <Shared>0</Shared>
      <None>17607</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>45148777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>141553</Sole>
      <Shared>0</Shared>
      <None>1436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>30655000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>97085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>54625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>168611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>29954887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>94869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>8102461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>25661</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>3422167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>10838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>19764000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>62593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>742013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>80407632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>246795</Sole>
      <Shared>0</Shared>
      <None>7861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>22438774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>68203</Sole>
      <Shared>0</Shared>
      <None>2862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>34955420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>96824</Sole>
      <Shared>0</Shared>
      <None>13882</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>193250999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>612038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>582834</Sole>
      <Shared>0</Shared>
      <None>29204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>21130530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15696</Sole>
      <Shared>0</Shared>
      <None>51226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>38063347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>73214</Sole>
      <Shared>0</Shared>
      <None>47335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>165450474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>468709</Sole>
      <Shared>0</Shared>
      <None>55283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>4468810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>594918104</cusip>
    <value>594873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1884</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>13766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>85295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>85000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>189244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>54033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>107809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>722</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>59565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MID-AMER APT CMNTYS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>59522J103</cusip>
    <value>1327282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>596278101</cusip>
    <value>19968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>596278101</cusip>
    <value>43520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>596278101</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>596278101</cusip>
    <value>89600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>596278101</cusip>
    <value>23680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>596278101</cusip>
    <value>49408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIDDLEBY CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>596278101</cusip>
    <value>42880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>334</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MILLERKNOLL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>600544100</cusip>
    <value>3668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MILLERKNOLL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>600544100</cusip>
    <value>2885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MILLERKNOLL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>600544100</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MILLERKNOLL INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>600544100</cusip>
    <value>210539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIMEDX GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>602496101</cusip>
    <value>72900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIMEDX GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>602496101</cusip>
    <value>2063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIMEDX GROUP INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>602496101</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MINERALS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>603158106</cusip>
    <value>2683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MINERALS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>603158106</cusip>
    <value>681324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MINERALS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>603158106</cusip>
    <value>681000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MINERALS TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>603158106</cusip>
    <value>71133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>1250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIRION TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>60471A101</cusip>
    <value>896893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIRION TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>60471A101</cusip>
    <value>897000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIRION TECHNOLOGIES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>60471A101</cusip>
    <value>4288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>606822104</cusip>
    <value>76036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8956</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>606822104</cusip>
    <value>111397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>606822104</cusip>
    <value>401000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>47210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>606822104</cusip>
    <value>304273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>35839</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>606822104</cusip>
    <value>2590087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>298866</Sole>
      <Shared>0</Shared>
      <None>6209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>606822104</cusip>
    <value>187213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>22051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MITSUBISHI UFJ FINL GROUP IN            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>606822104</cusip>
    <value>1220421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>133335</Sole>
      <Shared>0</Shared>
      <None>10413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>60687Y109</cusip>
    <value>35312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9726</Sole>
      <Shared>0</Shared>
      <None>569</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>60687Y109</cusip>
    <value>62224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>15091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>60687Y109</cusip>
    <value>15030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>60687Y109</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>60687Y109</cusip>
    <value>645145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>187394</Sole>
      <Shared>0</Shared>
      <None>695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>60687Y109</cusip>
    <value>19702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MIZUHO FINANCIAL GROUP INC              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>60687Y109</cusip>
    <value>135101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>31293</Sole>
      <Shared>0</Shared>
      <None>8095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>25962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>63434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>14279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>110000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>109819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>290774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3248</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>11774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>136</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>343823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MKS INSTRS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55306N104</cusip>
    <value>492759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5686</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>93374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>886</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>221041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>217000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>438983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>122915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>563860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4237</Sole>
      <Shared>0</Shared>
      <None>1222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>89450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>866</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>2066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>1077625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10077</Sole>
      <Shared>0</Shared>
      <None>356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60770K107</cusip>
    <value>1756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOELIS &amp; CO                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60786M105</cusip>
    <value>1399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOELIS &amp; CO                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60786M105</cusip>
    <value>5370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOELIS &amp; CO                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60786M105</cusip>
    <value>214322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOHAWK INDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>608190104</cusip>
    <value>30034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOHAWK INDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>608190104</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOHAWK INDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>608190104</cusip>
    <value>56206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOHAWK INDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>608190104</cusip>
    <value>16304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOHAWK INDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>608190104</cusip>
    <value>51829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>336</Sole>
      <Shared>0</Shared>
      <None>268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOHAWK INDS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>608190104</cusip>
    <value>33037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>321988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>966</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>98367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>98000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>245918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>68857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>286576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>770</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>123943</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>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>32133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>970227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLINA HEALTHCARE INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>60855R100</cusip>
    <value>7542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>124064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>63590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>64000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>146257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>36882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>255059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3794</Sole>
      <Shared>0</Shared>
      <None>217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>163872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2577</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOLSON COORS BEVERAGE CO                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>60871R209</cusip>
    <value>143395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1189</Sole>
      <Shared>0</Shared>
      <None>1066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>293761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>294000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>4777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>6061118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86615</Sole>
      <Shared>0</Shared>
      <None>721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>745911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10629</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>583000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>1193680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>17200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>327568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>9300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>163000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>6595707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>90629</Sole>
      <Shared>0</Shared>
      <None>4410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>396471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>120617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>7809651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>109912</Sole>
      <Shared>0</Shared>
      <None>2619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>609207105</cusip>
    <value>108889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>17639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>141457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>138000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>281876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>74360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>4150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>686878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1691</Sole>
      <Shared>0</Shared>
      <None>295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>31820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>260433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONGODB INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>60937P106</cusip>
    <value>391168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1110</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>7854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>138600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>139000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>267960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>64680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>59000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>59136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>314160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>509</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>11580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>190806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>335412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONOLITHIC PWR SYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>609839105</cusip>
    <value>9240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>137723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2452</Sole>
      <Shared>0</Shared>
      <None>149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>247065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>238000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>508320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>135817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>2022213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33708</Sole>
      <Shared>0</Shared>
      <None>4483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>85091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1607</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>102246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>1208</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61174X109</cusip>
    <value>335597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONTROSE ENVIRONMENTAL GROUP            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615111101</cusip>
    <value>299000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONTROSE ENVIRONMENTAL GROUP            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615111101</cusip>
    <value>298774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>713912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>871</Sole>
      <Shared>0</Shared>
      <None>1387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>85366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>644987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>178004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>73000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>313008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>107814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>341</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>526107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>1641</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>2511022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6030</Sole>
      <Shared>0</Shared>
      <None>1912</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>37615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>9710213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>30602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>2282115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6462</Sole>
      <Shared>0</Shared>
      <None>756</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOODYS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>615369105</cusip>
    <value>132475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>5000327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60655</Sole>
      <Shared>0</Shared>
      <None>571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>3934942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>47937</Sole>
      <Shared>0</Shared>
      <None>244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>448000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>47369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>45654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>2088792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>25576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>337542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>18784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>1841000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21993</Sole>
      <Shared>555</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>230718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>13853029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>169612</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>3862991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>47041</Sole>
      <Shared>0</Shared>
      <None>259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>5993843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>73190</Sole>
      <Shared>0</Shared>
      <None>201</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>8952012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>105082</Sole>
      <Shared>0</Shared>
      <None>4530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>880646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3851</Sole>
      <Shared>0</Shared>
      <None>6932</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>1487619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>18148</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>7712016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>79950</Sole>
      <Shared>0</Shared>
      <None>14479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>351753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>16661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>2856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>3638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>617446448</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>1405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>96975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>70272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>17568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>137000</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>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>40289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>1431441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5751</Sole>
      <Shared>0</Shared>
      <None>360</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>4217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>118994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>664070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2467</Sole>
      <Shared>0</Shared>
      <None>368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORNINGSTAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>617700109</cusip>
    <value>2343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>3560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>71200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>71000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>148274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>33820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>82414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>17167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>61945C103</cusip>
    <value>202991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3952</Sole>
      <Shared>0</Shared>
      <None>1750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>242566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>876</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>261350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>261000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>566259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>152727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>1403669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4512</Sole>
      <Shared>0</Shared>
      <None>644</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>75439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>276</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>5717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>1758670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5056</Sole>
      <Shared>0</Shared>
      <None>1404</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>582866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOTOROLA SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>620076307</cusip>
    <value>8168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>6169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>16235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>21965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>6590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>5000</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>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>106654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5107</Sole>
      <Shared>0</Shared>
      <None>477</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>5119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MP MATERIALS CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>553368101</cusip>
    <value>48972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2549</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MPLX LP                                 </nameOfIssuer>
    <titleOfClass>COM UNIT REP LTD    </titleOfClass>
    <cusip>55336V100</cusip>
    <value>22729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MPLX LP                                 </nameOfIssuer>
    <titleOfClass>COM UNIT REP LTD    </titleOfClass>
    <cusip>55336V100</cusip>
    <value>320308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>48872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>31530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>70943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>22071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>91910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>225440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>28062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>273996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1738</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSA SAFETY INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>553498106</cusip>
    <value>413989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2507</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC                     </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>553530106</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC                     </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>553530106</cusip>
    <value>23556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC                     </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>553530106</cusip>
    <value>57909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC                     </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>553530106</cusip>
    <value>18158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC                     </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>553530106</cusip>
    <value>150859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1537</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC                     </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>553530106</cusip>
    <value>156647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>357</Sole>
      <Shared>0</Shared>
      <None>1239</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSC INDL DIRECT INC                     </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>553530106</cusip>
    <value>2258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>5197500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10122</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>2086696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4057</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>2001000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>6670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>497688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>125705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>2063000</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>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>23089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>675213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>967</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>775694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1024</Sole>
      <Shared>0</Shared>
      <None>488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>188300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>287</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>338633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSCI INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>55354G100</cusip>
    <value>120061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>5809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>11961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>102519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>242628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>14695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>12986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MURPHY USA INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>626755102</cusip>
    <value>257664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>631103108</cusip>
    <value>450575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9237</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>631103108</cusip>
    <value>220599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>631103108</cusip>
    <value>61223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>631103108</cusip>
    <value>703923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13349</Sole>
      <Shared>0</Shared>
      <None>1138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>631103108</cusip>
    <value>348537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4827</Sole>
      <Shared>0</Shared>
      <None>2346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NASDAQ INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>631103108</cusip>
    <value>624333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12249</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>1372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>35400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>35000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>59738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>16815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>56950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>632</Sole>
      <Shared>0</Shared>
      <None>655</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>7346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATERA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>632307104</cusip>
    <value>1991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>372299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>31146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>59697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>15833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>294070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5463</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>63686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>344</Sole>
      <Shared>0</Shared>
      <None>873</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>70130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1297</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL FUEL GAS CO                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636180101</cusip>
    <value>2025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE    </titleOfClass>
    <cusip>636274409</cusip>
    <value>121503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1972</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE    </titleOfClass>
    <cusip>636274409</cusip>
    <value>64268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE    </titleOfClass>
    <cusip>636274409</cusip>
    <value>18068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE    </titleOfClass>
    <cusip>636274409</cusip>
    <value>64000</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>NATIONAL GRID PLC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE    </titleOfClass>
    <cusip>636274409</cusip>
    <value>1604088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25686</Sole>
      <Shared>0</Shared>
      <None>771</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE    </titleOfClass>
    <cusip>636274409</cusip>
    <value>22676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL GRID PLC                       </nameOfIssuer>
    <titleOfClass>SPONSORED ADR NE    </titleOfClass>
    <cusip>636274409</cusip>
    <value>2122596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30340</Sole>
      <Shared>0</Shared>
      <None>4669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL HEALTH INVS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63633D104</cusip>
    <value>10272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL HEALTH INVS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63633D104</cusip>
    <value>201023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636518102</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636518102</cusip>
    <value>44119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636518102</cusip>
    <value>102546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636518102</cusip>
    <value>34580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636518102</cusip>
    <value>35772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>445</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636518102</cusip>
    <value>4114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>636518102</cusip>
    <value>4531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL RESH CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>637372202</cusip>
    <value>20499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL RESH CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>637372202</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL RESH CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>637372202</cusip>
    <value>203747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4581</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL RESH CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>637372202</cusip>
    <value>88296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>20091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>15870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>34914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>8252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>8030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>79350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1945</Sole>
      <Shared>0</Shared>
      <None>555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>2952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
    <value>235955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL VISION HLDGS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63845R107</cusip>
    <value>793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL VISION HLDGS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63845R107</cusip>
    <value>215048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL VISION HLDGS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63845R107</cusip>
    <value>215000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATIONAL VISION HLDGS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63845R107</cusip>
    <value>4644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>218</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATWEST GROUP PLC                       </nameOfIssuer>
    <titleOfClass>SPONS ADR           </titleOfClass>
    <cusip>639057207</cusip>
    <value>1930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>244</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATWEST GROUP PLC                       </nameOfIssuer>
    <titleOfClass>SPONS ADR           </titleOfClass>
    <cusip>639057207</cusip>
    <value>14849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2547</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATWEST GROUP PLC                       </nameOfIssuer>
    <titleOfClass>SPONS ADR           </titleOfClass>
    <cusip>639057207</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATWEST GROUP PLC                       </nameOfIssuer>
    <titleOfClass>SPONS ADR           </titleOfClass>
    <cusip>639057207</cusip>
    <value>46325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3792</Sole>
      <Shared>0</Shared>
      <None>4154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NATWEST GROUP PLC                       </nameOfIssuer>
    <titleOfClass>SPONS ADR           </titleOfClass>
    <cusip>639057207</cusip>
    <value>36327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>6104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>1590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>119282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>25440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>1431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>318000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>207781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>1680058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>52832</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>3212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>63947X101</cusip>
    <value>887284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>27333</Sole>
      <Shared>0</Shared>
      <None>569</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>4207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>32175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>43691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>16182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>300014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7668</Sole>
      <Shared>0</Shared>
      <None>3456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>4208</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>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>8630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NCR CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62886E108</cusip>
    <value>84524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NELNET INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>64031N108</cusip>
    <value>479000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NELNET INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>64031N108</cusip>
    <value>479112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOGAMES S A                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L6673X107</cusip>
    <value>417609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOGAMES S A                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L6673X107</cusip>
    <value>418000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOGEN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>640491106</cusip>
    <value>1428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOGEN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>640491106</cusip>
    <value>212358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11414</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOGEN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>640491106</cusip>
    <value>21061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>834</Sole>
      <Shared>0</Shared>
      <None>302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEOGEN CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>640491106</cusip>
    <value>45516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>204421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2672</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>94850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>95000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>220280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2903</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>62525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>117083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>764</Sole>
      <Shared>0</Shared>
      <None>779</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>25117</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>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>233407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2423</Sole>
      <Shared>0</Shared>
      <None>653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETAPP INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110D104</cusip>
    <value>2960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETEASE INC                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>64110W102</cusip>
    <value>1449616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETEASE INC                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>64110W102</cusip>
    <value>2003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETEASE INC                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>64110W102</cusip>
    <value>26542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETEASE INC                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>64110W102</cusip>
    <value>199018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1987</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>1279309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3354</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>1089754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2840</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>1072000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>2114560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>570176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>151040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>10195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>3791482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8273</Sole>
      <Shared>0</Shared>
      <None>1768</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>521088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>1360</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>590944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>3137856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6483</Sole>
      <Shared>0</Shared>
      <None>1827</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64110L106</cusip>
    <value>22279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>284175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2515</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>67500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>140625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>34875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>71438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>635</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>139725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1074</Sole>
      <Shared>0</Shared>
      <None>168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEUROCRINE BIOSCIENCES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64125C109</cusip>
    <value>7200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEVRO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64157F103</cusip>
    <value>300063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEVRO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64157F103</cusip>
    <value>300000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEVRO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>64157F103</cusip>
    <value>1345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>70</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>150427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4450</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW FORTRESS ENERGY INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>644393100</cusip>
    <value>22684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW FORTRESS ENERGY INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>644393100</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</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>13112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</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>7539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>230</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>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>92</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>30223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>903</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW FORTRESS ENERGY INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>644393100</cusip>
    <value>1609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW FORTRESS ENERGY INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>644393100</cusip>
    <value>23372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>667</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW FORTRESS ENERGY INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>644393100</cusip>
    <value>558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK CMNTY BANCORP INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>649445103</cusip>
    <value>109238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK CMNTY BANCORP INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>649445103</cusip>
    <value>27386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK CMNTY BANCORP INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>649445103</cusip>
    <value>42956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2004</Sole>
      <Shared>0</Shared>
      <None>1784</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK CMNTY BANCORP INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>649445103</cusip>
    <value>2529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>223</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK CMNTY BANCORP INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>649445103</cusip>
    <value>11510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>1401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>37080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>37000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>74160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>20188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>614498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14596</Sole>
      <Shared>0</Shared>
      <None>319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>3708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW YORK TIMES CO                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>650111107</cusip>
    <value>21877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>477</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>47155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>20218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>47579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>13626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>58812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5682</Sole>
      <Shared>0</Shared>
      <None>831</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>11038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651229106</cusip>
    <value>630177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>52904</Sole>
      <Shared>0</Shared>
      <None>16883</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMARKET CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651587107</cusip>
    <value>1285488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMARKET CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651587107</cusip>
    <value>99199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMARKET CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651587107</cusip>
    <value>45504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMARKET CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651587107</cusip>
    <value>99000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMARKET CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651587107</cusip>
    <value>536037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMARKET CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651587107</cusip>
    <value>37924</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>NEWMARKET CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651587107</cusip>
    <value>1287308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2829</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>53873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1376</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>195798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5200</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>192000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>373195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>105123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>441331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9816</Sole>
      <Shared>0</Shared>
      <None>2128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>214945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5817</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>104901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2143</Sole>
      <Shared>0</Shared>
      <None>696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>651639106</cusip>
    <value>4980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWPARK RES INC                         </nameOfIssuer>
    <titleOfClass>COM PAR $.01NEW     </titleOfClass>
    <cusip>651718504</cusip>
    <value>265558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWPARK RES INC                         </nameOfIssuer>
    <titleOfClass>COM PAR $.01NEW     </titleOfClass>
    <cusip>651718504</cusip>
    <value>266000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWPARK RES INC                         </nameOfIssuer>
    <titleOfClass>COM PAR $.01NEW     </titleOfClass>
    <cusip>651718504</cusip>
    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>5055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>38114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>100440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5007</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>35707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>92998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2487</Sole>
      <Shared>0</Shared>
      <None>2149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>5928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWS CORP NEW                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>65249B109</cusip>
    <value>46920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>2151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>31255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>29000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>64517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>15771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>56058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>153367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXSTAR MEDIA GROUP INC                 </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>65336K103</cusip>
    <value>6022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>19114006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>312079</Sole>
      <Shared>0</Shared>
      <None>21557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>3880996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>67434</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>2321000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>40510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>18447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>22343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>1879112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>32800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>388426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>87172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>2350000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>40621</Sole>
      <Shared>390</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>67831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>4388414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>76600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>170781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2803</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>1451671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>25243</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>13342497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>225783</Sole>
      <Shared>0</Shared>
      <None>7111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>936971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9103</Sole>
      <Shared>0</Shared>
      <None>7252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>2602799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>45392</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>17433748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>281398</Sole>
      <Shared>0</Shared>
      <None>22909</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>59181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1033</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65339F101</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>9754196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>101932</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>3960867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>41289</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>2530000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>26460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>4685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>3347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>1442906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>390130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>124306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>3134000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>32774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>45037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>2602107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>27209</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>1766101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>18470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>1509840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>15763</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>15070573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>154641</Sole>
      <Shared>0</Shared>
      <None>2968</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>587168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2508</Sole>
      <Shared>0</Shared>
      <None>3616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>2863341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>29809</Sole>
      <Shared>0</Shared>
      <None>136</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>8831654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>83923</Sole>
      <Shared>0</Shared>
      <None>8439</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>558708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5843</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC                                </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>654106103</cusip>
    <value>63014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>10514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>393</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>76508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>77000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>118464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>22706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>72000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2926</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>72214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2926</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>320100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11794</Sole>
      <Shared>0</Shared>
      <None>1176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>30554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>225402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9059</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NISOURCE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65473P105</cusip>
    <value>361982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13610</Sole>
      <Shared>0</Shared>
      <None>1057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NLIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65487K100</cusip>
    <value>1810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NLIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65487K100</cusip>
    <value>3734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NLIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65487K100</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NLIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65487K100</cusip>
    <value>64116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5983</Sole>
      <Shared>0</Shared>
      <None>182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NLIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65487K100</cusip>
    <value>4014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NLIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>65487K100</cusip>
    <value>38033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>40464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>35000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>81812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>24703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>699</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>102910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2322</Sole>
      <Shared>0</Shared>
      <None>590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>40182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NNN REIT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>637417106</cusip>
    <value>564592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>654902204</cusip>
    <value>12062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3029</Sole>
      <Shared>0</Shared>
      <None>196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>654902204</cusip>
    <value>15248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>654902204</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>654902204</cusip>
    <value>45770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8890</Sole>
      <Shared>0</Shared>
      <None>3348</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>654902204</cusip>
    <value>15244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP                              </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>654902204</cusip>
    <value>30077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3393</Sole>
      <Shared>0</Shared>
      <None>4649</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOMAD FOODS LTD                         </nameOfIssuer>
    <titleOfClass>USD ORD SHS         </titleOfClass>
    <cusip>G6564A105</cusip>
    <value>319118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOMURA HLDGS INC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>65535H208</cusip>
    <value>1178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>262</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOMURA HLDGS INC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>65535H208</cusip>
    <value>29394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOMURA HLDGS INC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>65535H208</cusip>
    <value>29000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOMURA HLDGS INC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>65535H208</cusip>
    <value>48268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9037</Sole>
      <Shared>0</Shared>
      <None>2970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOMURA HLDGS INC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>65535H208</cusip>
    <value>9648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>536278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>78110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>78000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>156219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>41286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>91723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>360643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1336</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>18872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>276731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>397912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1771</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>26111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655663102</cusip>
    <value>2455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>3992362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16452</Sole>
      <Shared>0</Shared>
      <None>3821</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>383226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1909</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>289000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>582913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>149667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>7680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>94000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>6298806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>31152</Sole>
      <Shared>0</Shared>
      <None>833</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>220427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>1308206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>1643</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>16937162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>80734</Sole>
      <Shared>0</Shared>
      <None>5272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>655844108</cusip>
    <value>1182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>665859104</cusip>
    <value>83515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1189</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>665859104</cusip>
    <value>172310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>665859104</cusip>
    <value>51068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>665859104</cusip>
    <value>259925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2087</Sole>
      <Shared>0</Shared>
      <None>1654</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>665859104</cusip>
    <value>155887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>665859104</cusip>
    <value>313911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4443</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>1181910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2466</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>399693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>392000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>801146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>211291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>1326564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3014</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>2032357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4199</Sole>
      <Shared>0</Shared>
      <None>418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>24210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>2577753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4409</Sole>
      <Shared>0</Shared>
      <None>1447</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>488611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>666807102</cusip>
    <value>2201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>42996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2470</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>41000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>92288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>21918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>146985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5875</Sole>
      <Shared>0</Shared>
      <None>3044</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>23831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1446</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>28412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1597</Sole>
      <Shared>0</Shared>
      <None>127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>1368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>44099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>91918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>27902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>282338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13509</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>189835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7939</Sole>
      <Shared>0</Shared>
      <None>1144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>296216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14068</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62955J103</cusip>
    <value>3386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVAGOLD RES INC                        </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>66987E206</cusip>
    <value>46080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>3321043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32304</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>23937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>111749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>211360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>4362256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>40938</Sole>
      <Shared>0</Shared>
      <None>1888</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>151568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG                             </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>66987V109</cusip>
    <value>10869990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>94271</Sole>
      <Shared>0</Shared>
      <None>12444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>294464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>569648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>29646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>570000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>5157935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>54432</Sole>
      <Shared>0</Shared>
      <None>2286</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>79118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>856109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S                        </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>670100205</cusip>
    <value>4717422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>45788</Sole>
      <Shared>0</Shared>
      <None>6086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>179811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4588</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>46224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>105930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>34283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>41812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>1044</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>276882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6495</Sole>
      <Shared>0</Shared>
      <None>693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>2427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>75345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1452</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>629377508</cusip>
    <value>1310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G6683N103</cusip>
    <value>200100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>27600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G6683N103</cusip>
    <value>1160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G6683N103</cusip>
    <value>406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>1771289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10273</Sole>
      <Shared>0</Shared>
      <None>1056</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>275332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>266000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>500320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>129771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>136889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>659</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>922934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5267</Sole>
      <Shared>0</Shared>
      <None>636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>6254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670346105</cusip>
    <value>10955132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>68620</Sole>
      <Shared>0</Shared>
      <None>1448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP                        </nameOfIssuer>
    <titleOfClass>UNIT COM            </titleOfClass>
    <cusip>67058H102</cusip>
    <value>60709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP                        </nameOfIssuer>
    <titleOfClass>UNIT COM            </titleOfClass>
    <cusip>67058H102</cusip>
    <value>484832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>27800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>38368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>102896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>28602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>1535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>97594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>834</Sole>
      <Shared>0</Shared>
      <None>1964</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTANIX INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>67059N108</cusip>
    <value>4220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>467647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6797</Sole>
      <Shared>0</Shared>
      <None>775</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>611980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>29274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>474</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>313556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4257</Sole>
      <Shared>0</Shared>
      <None>820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670703107</cusip>
    <value>278762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVALENT INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670703107</cusip>
    <value>279000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670657105</cusip>
    <value>66831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6529</Sole>
      <Shared>0</Shared>
      <None>375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670657105</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670657105</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670657105</cusip>
    <value>1568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670657105</cusip>
    <value>37917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670657105</cusip>
    <value>9990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>8192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>797608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>157630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>779000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>153915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>367488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>72626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>4210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>832</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>108309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>21405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>5080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN CR STRATEGIES INCOME             </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>67073D102</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>142</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>70309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5449</Sole>
      <Shared>0</Shared>
      <None>1292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC             </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>67070X101</cusip>
    <value>3000</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>NUVEEN MUNICIPAL CREDIT INC             </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>67070X101</cusip>
    <value>2670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>256</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>55853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5355</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>20599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>41338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>3416860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>202784</Sole>
      <Shared>0</Shared>
      <None>32375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>3333000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>229368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>105000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>1612656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>95763</Sole>
      <Shared>0</Shared>
      <None>15225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>16506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>980</Sole>
      <Shared>0</Shared>
      <None>156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>482280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>28634</Sole>
      <Shared>0</Shared>
      <None>4558</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>26895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>3400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>2806668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>52473</Sole>
      <Shared>0</Shared>
      <None>493</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>3617733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>67523</Sole>
      <Shared>0</Shared>
      <None>749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>262000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>39478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>48062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>981163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>32536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>19394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>2029000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>37396</Sole>
      <Shared>885</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>145670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>9809297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>178656</Sole>
      <Shared>0</Shared>
      <None>6460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>489469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>6456</Sole>
      <Shared>0</Shared>
      <None>2781</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>3668975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>57729</Sole>
      <Shared>0</Shared>
      <None>11510</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>6357846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>119658</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>215392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3127</Sole>
      <Shared>0</Shared>
      <None>938</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>1710199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>32265</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>5319507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>84460</Sole>
      <Shared>0</Shared>
      <None>15927</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>18423131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42069</Sole>
      <Shared>0</Shared>
      <None>284</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>18371368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>41587</Sole>
      <Shared>0</Shared>
      <None>647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>13857000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>31855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>29579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>13178022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>30295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>3560393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>8185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>9570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>8464000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>19457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>80908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>20571112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>42535</Sole>
      <Shared>0</Shared>
      <None>4756</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>1061811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>711</Sole>
      <Shared>0</Shared>
      <None>1730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>8388347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>10974</Sole>
      <Shared>0</Shared>
      <None>8310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>29769846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>60292</Sole>
      <Shared>0</Shared>
      <None>8146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>8232041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1712</Sole>
      <Shared>0</Shared>
      <None>17213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>3401622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7575</Sole>
      <Shared>0</Shared>
      <None>245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>20288804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>38524</Sole>
      <Shared>0</Shared>
      <None>8118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>1376743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67066G104</cusip>
    <value>264909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>506881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>178899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>179000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>268349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>59633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>35780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>89450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>250459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>697706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>62944T105</cusip>
    <value>5964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>157337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>7197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>7000</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>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>173331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>753</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>1400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>654738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3207</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>256497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>142996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2167</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>333224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5085</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>330000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>568349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>151300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>442806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4604</Sole>
      <Shared>0</Shared>
      <None>2221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>82736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>551740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2954</Sole>
      <Shared>0</Shared>
      <None>5550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>4153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>74126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2198</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>36663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>37000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>73759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>26497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>9021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>74193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1999</Sole>
      <Shared>0</Shared>
      <None>227</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>16732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>1900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>8559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>85586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>82000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>158945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>39940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>4000</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>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>199129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1398</Sole>
      <Shared>0</Shared>
      <None>1045</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>6929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>2445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>23882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>239</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679369108</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679369108</cusip>
    <value>2535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679369108</cusip>
    <value>3315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679369108</cusip>
    <value>1697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679369108</cusip>
    <value>19775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>9091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679369108</cusip>
    <value>5597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>590389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1424</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>333040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>239000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>511425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>147290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>94000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>862298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>757727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>1062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>436552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>796</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>4092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>2140437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78755</Sole>
      <Shared>0</Shared>
      <None>697</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>2860651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>105599</Sole>
      <Shared>0</Shared>
      <None>587</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>169000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>31681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>1176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>43400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>793868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>29468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>30981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>17861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>1560000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>56509</Sole>
      <Shared>1400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>116758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>4334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>7517418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>279034</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>291976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>10186</Sole>
      <Shared>0</Shared>
      <None>652</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>2473981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>91482</Sole>
      <Shared>0</Shared>
      <None>351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>7424772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>275238</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>208811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4980</Sole>
      <Shared>0</Shared>
      <None>2771</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>1980925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>73531</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>3485524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>120743</Sole>
      <Shared>0</Shared>
      <None>8638</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>3948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>52529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>72471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>16493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>25208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>196771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3704</Sole>
      <Shared>0</Shared>
      <None>233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>8097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>83167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>108284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>51942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>12349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>232000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>150347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>1330892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>16866</Sole>
      <Shared>0</Shared>
      <None>378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>9802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>653329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8299</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>22271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>22000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>212718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>94221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA FLEX INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682095104</cusip>
    <value>25666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA FLEX INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682095104</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA FLEX INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682095104</cusip>
    <value>240914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA FLEX INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682095104</cusip>
    <value>109120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>32563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>982</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>47386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>106112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>21886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>4000</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>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>154691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4194</Sole>
      <Shared>0</Shared>
      <None>471</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>1161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>8787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>229</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>676398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICELL COM                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68213N109</cusip>
    <value>1937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICELL COM                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68213N109</cusip>
    <value>141516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>3086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICELL COM                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68213N109</cusip>
    <value>139000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICELL COM                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68213N109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICELL COM                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68213N109</cusip>
    <value>54498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1132</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICELL COM                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68213N109</cusip>
    <value>3063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICELL COM                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68213N109</cusip>
    <value>29006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>3216270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42865</Sole>
      <Shared>0</Shared>
      <None>318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>5009450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>66765</Sole>
      <Shared>0</Shared>
      <None>494</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>1017000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>34857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>39325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>785019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>40517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>147321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>2112000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>27922</Sole>
      <Shared>435</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>205863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>17641482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>232241</Sole>
      <Shared>0</Shared>
      <None>4621</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>3416025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>43975</Sole>
      <Shared>0</Shared>
      <None>1890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>7085580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>86822</Sole>
      <Shared>0</Shared>
      <None>8312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>12887125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>170568</Sole>
      <Shared>0</Shared>
      <None>2460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>163299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1546</Sole>
      <Shared>0</Shared>
      <None>628</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>1869225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>25097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>7310286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>94830</Sole>
      <Shared>0</Shared>
      <None>3321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>411204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>9900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>14100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>1349169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14410</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>1808249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>1744000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>18760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>3160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>513828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>137566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>1533000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>17475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>607335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4027</Sole>
      <Shared>0</Shared>
      <None>2507</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>266395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>2548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>41084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>341034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ON SEMICONDUCTOR CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682189105</cusip>
    <value>47591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>512</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONE GAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68235P108</cusip>
    <value>2117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONE GAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68235P108</cusip>
    <value>4370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONE GAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68235P108</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONE GAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68235P108</cusip>
    <value>178006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1166</Sole>
      <Shared>0</Shared>
      <None>1441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONE GAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68235P108</cusip>
    <value>5531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONE GAS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68235P108</cusip>
    <value>53600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>3528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>7537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>62140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>18041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>206664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4980</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>82500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2058</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>7777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEMAIN HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68268W103</cusip>
    <value>74648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>2937064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46240</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>503796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7789</Sole>
      <Shared>0</Shared>
      <None>154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>171000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>21492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>349499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>100219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>13454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>333000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>50219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>3377002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>52012</Sole>
      <Shared>0</Shared>
      <None>1228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>209319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2787</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>120428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1860</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682680103</cusip>
    <value>3461982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>52922</Sole>
      <Shared>0</Shared>
      <None>1657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>4488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>4224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>3432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>7672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1171</Sole>
      <Shared>0</Shared>
      <None>1735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>1721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>652</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>683712103</cusip>
    <value>37446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENLANE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48238T109</cusip>
    <value>2805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENLANE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48238T109</cusip>
    <value>1110943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENLANE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48238T109</cusip>
    <value>1111000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENLANE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48238T109</cusip>
    <value>6281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPENLANE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48238T109</cusip>
    <value>3701</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>OPENLANE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>48238T109</cusip>
    <value>433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPORTUN FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68376D104</cusip>
    <value>4751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPORTUN FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68376D104</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPORTUN FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68376D104</cusip>
    <value>44446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OPORTUN FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68376D104</cusip>
    <value>20100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>7255626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>65006</Sole>
      <Shared>0</Shared>
      <None>3495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>4340602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>40699</Sole>
      <Shared>0</Shared>
      <None>281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>2061000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>7520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>26586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>2066499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>557987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>595216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>1112000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>118313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>14146569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>133545</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>3025817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>28567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>5179276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>48859</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>25348033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>239313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>233949</Sole>
      <Shared>0</Shared>
      <None>5364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>4810943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22035</Sole>
      <Shared>0</Shared>
      <None>23386</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>5551161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>18640</Sole>
      <Shared>0</Shared>
      <None>33769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>37024124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>303880</Sole>
      <Shared>0</Shared>
      <None>45668</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68389X105</cusip>
    <value>25421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>9641187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9730</Sole>
      <Shared>0</Shared>
      <None>878</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>3676339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4030</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>3435000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>9997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>681645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>190861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>3293000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>36354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>595304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>1077908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>896</Sole>
      <Shared>0</Shared>
      <None>290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>8760502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9639</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>547134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>153597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>119061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>52566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2248</Sole>
      <Shared>0</Shared>
      <None>780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>26127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>56698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>18957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>51000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>51368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>378083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20891</Sole>
      <Shared>0</Shared>
      <None>888</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>7912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>150997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8678</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>926069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>49847</Sole>
      <Shared>0</Shared>
      <None>3498</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO                            </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>68622V106</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORIC PHARMACEUTICALS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68622P109</cusip>
    <value>538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORIC PHARMACEUTICALS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68622P109</cusip>
    <value>214352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35430</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORIC PHARMACEUTICALS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68622P109</cusip>
    <value>214000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35430</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORIC PHARMACEUTICALS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68622P109</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>59167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>148394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>40000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>75390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>17655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>372000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>277415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>2171319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22698</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>14403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>170056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSHKOSH CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>688239201</cusip>
    <value>926244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9683</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>1284639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15987</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>204951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>205000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>435682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>112675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>30116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>1688839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19372</Sole>
      <Shared>0</Shared>
      <None>1657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>60474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>753</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>444998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5523</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>68902V107</cusip>
    <value>8188729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>94611</Sole>
      <Shared>0</Shared>
      <None>7353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OUTBRAIN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69002R103</cusip>
    <value>1943155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>399005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>399005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>57132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>80869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>81000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>135575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>34250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>21180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>66455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1281</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OVINTIV INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69047Q102</cusip>
    <value>88575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1439</Sole>
      <Shared>0</Shared>
      <None>423</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>2455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>82000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>81846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>149778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>43651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>20598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>109537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>478</Sole>
      <Shared>0</Shared>
      <None>325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OWENS CORNING NEW                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>690742101</cusip>
    <value>36012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>1698615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19933</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>2412443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>28285</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>2316000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>27235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>3061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>570484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>161453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>2120000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>24231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>489630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3204</Sole>
      <Shared>0</Shared>
      <None>2555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>87656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>431</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>6632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>1892715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21486</Sole>
      <Shared>0</Shared>
      <None>776</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>570059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693718108</cusip>
    <value>58749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACIFIC PREMIER BANCORP                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69478X105</cusip>
    <value>1610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACIFIC PREMIER BANCORP                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69478X105</cusip>
    <value>396685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACIFIC PREMIER BANCORP                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69478X105</cusip>
    <value>397000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>103953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>672</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>92130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>168905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>46065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>87000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>86602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>440689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2485</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>7571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>321841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>695156109</cusip>
    <value>8223370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>53475</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAGERDUTY INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69553P100</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAGERDUTY INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69553P100</cusip>
    <value>626819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>27471</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAGERDUTY INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69553P100</cusip>
    <value>627000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>27471</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAGERDUTY INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69553P100</cusip>
    <value>4925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>46848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>928</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>186480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11400</Sole>
      <Shared>0</Shared>
      <None>255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>182000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>381120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>98240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>282448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14796</Sole>
      <Shared>0</Shared>
      <None>2857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>10704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>35920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2198</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>69608A108</cusip>
    <value>960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>1979611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8438</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>481305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2008</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>438000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>883839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>249679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>11000</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>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>290471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>7268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>2248748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9049</Sole>
      <Shared>0</Shared>
      <None>543</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>97528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>416</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>5861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>5780587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22330</Sole>
      <Shared>0</Shared>
      <None>2327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>697435105</cusip>
    <value>4689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAPA JOHNS INTL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>698813102</cusip>
    <value>1842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAPA JOHNS INTL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>698813102</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAPA JOHNS INTL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>698813102</cusip>
    <value>48982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAPA JOHNS INTL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>698813102</cusip>
    <value>112085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1587</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAPA JOHNS INTL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>698813102</cusip>
    <value>150016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAPA JOHNS INTL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>698813102</cusip>
    <value>216053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAGON 28 INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69913P105</cusip>
    <value>373000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAGON 28 INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69913P105</cusip>
    <value>373149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>2903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>42441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3092</Sole>
      <Shared>0</Shared>
      <None>198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>40000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>92183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>24342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>45782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2665</Sole>
      <Shared>0</Shared>
      <None>884</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>6879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>531</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>93190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2468</Sole>
      <Shared>0</Shared>
      <None>4756</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69924R108</cusip>
    <value>4620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69924R108</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69924R108</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69924R108</cusip>
    <value>1871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69924R108</cusip>
    <value>941</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>PARAMOUNT GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69924R108</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69924R108</cusip>
    <value>81506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>17642</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>16238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>38808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>7725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>627</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>15449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1237</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>2535</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>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>22348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1433</Sole>
      <Shared>0</Shared>
      <None>381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARK HOTELS &amp; RESORTS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>700517105</cusip>
    <value>248692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>3728096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9569</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>2402949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>2074000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>3116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>627127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>179179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>12075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>2645000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>626348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>7349853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18505</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>277629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>429</Sole>
      <Shared>0</Shared>
      <None>284</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>396921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>999</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>7063945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17705</Sole>
      <Shared>0</Shared>
      <None>430</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARKER-HANNIFIN CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>701094104</cusip>
    <value>53365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PATRIA INVESTMENTS LIMITED</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>G69451105</cusip>
    <value>1517195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>104060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>1579675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13665</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>231813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1990</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>230000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>475160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>132630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>1501597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11320</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>765784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>7150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>12252429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88132</Sole>
      <Shared>0</Shared>
      <None>18106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>85575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704326107</cusip>
    <value>923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>77781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>78000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>168526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>42780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>183304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>413</Sole>
      <Shared>0</Shared>
      <None>294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>6488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCOM SOFTWARE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70432V102</cusip>
    <value>27223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>196418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>54510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>55000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>95393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>29981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>42154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>5451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYLOCITY HLDG CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70438V106</cusip>
    <value>2362</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>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1094956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18719</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2160097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>36556</Sole>
      <Shared>0</Shared>
      <None>394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>626000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>5788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>839778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>219985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>45657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>806000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>33848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>7683339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>128212</Sole>
      <Shared>0</Shared>
      <None>3217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>198004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2218</Sole>
      <Shared>0</Shared>
      <None>1169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2311450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>33909</Sole>
      <Shared>0</Shared>
      <None>5630</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>180642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1013</Sole>
      <Shared>0</Shared>
      <None>2077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>4732220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>76849</Sole>
      <Shared>0</Shared>
      <None>4099</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>11984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2478353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>39554</Sole>
      <Shared>0</Shared>
      <None>2840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
    <value>3683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PDF SOLUTIONS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693282105</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PDF SOLUTIONS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693282105</cusip>
    <value>724820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PDF SOLUTIONS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693282105</cusip>
    <value>725000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PDF SOLUTIONS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693282105</cusip>
    <value>2916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEABODY ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704551100</cusip>
    <value>26588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEABODY ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704551100</cusip>
    <value>153029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5712</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEABODY ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704551100</cusip>
    <value>520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEABODY ENERGY CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>704551100</cusip>
    <value>259900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEBBLEBROOK HOTEL TR                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70509V100</cusip>
    <value>2528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>186</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEBBLEBROOK HOTEL TR                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70509V100</cusip>
    <value>7094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEBBLEBROOK HOTEL TR                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70509V100</cusip>
    <value>965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEBBLEBROOK HOTEL TR                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70509V100</cusip>
    <value>145889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58502B106</cusip>
    <value>1373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58502B106</cusip>
    <value>280815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22094</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58502B106</cusip>
    <value>279000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21977</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58502B106</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58502B106</cusip>
    <value>12252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>247</Sole>
      <Shared>0</Shared>
      <None>717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58502B106</cusip>
    <value>4169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>328</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEDIATRIX MEDICAL GROUP INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>58502B106</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>2873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>7575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>18433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>5530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>14433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>22145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3210</Sole>
      <Shared>0</Shared>
      <None>1175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>70614W100</cusip>
    <value>12347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2258</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>706327103</cusip>
    <value>156041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>706327103</cusip>
    <value>9409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>706327103</cusip>
    <value>14098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>706327103</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>706327103</cusip>
    <value>860137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>706327103</cusip>
    <value>17735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>706327103</cusip>
    <value>1399293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>45724</Sole>
      <Shared>0</Shared>
      <None>826</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>58471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>58000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>33412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>5847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>114603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>342</Sole>
      <Shared>0</Shared>
      <None>344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>312555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1871</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>1169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70959W103</cusip>
    <value>7184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>371018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>58275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>58000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>133644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>36519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>16706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>90715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>865</Sole>
      <Shared>0</Shared>
      <None>536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>1327246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4683</Sole>
      <Shared>0</Shared>
      <None>15815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>6087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>2903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>48382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>48000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>108860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>25401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>58300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>5323</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>PENUMBRA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70975L107</cusip>
    <value>7741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>41008038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>232373</Sole>
      <Shared>0</Shared>
      <None>9648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>11057824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>64705</Sole>
      <Shared>0</Shared>
      <None>556</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>5300000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>31280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>40666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>76417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>3634488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>21450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>803146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>364804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>5434000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>31857</Sole>
      <Shared>215</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>268054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>25932623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>148987</Sole>
      <Shared>0</Shared>
      <None>4062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>4637403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>25787</Sole>
      <Shared>0</Shared>
      <None>1582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>10239768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>53449</Sole>
      <Shared>0</Shared>
      <None>6984</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>51861009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>294636</Sole>
      <Shared>0</Shared>
      <None>11437</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>3790562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8353</Sole>
      <Shared>0</Shared>
      <None>14018</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>9243460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>53235</Sole>
      <Shared>0</Shared>
      <None>1318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>61609909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>319085</Sole>
      <Shared>0</Shared>
      <None>44524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>510353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>98106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>579</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>713448108</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>273052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>52974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>105948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>30902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>9830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>47088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>441</Sole>
      <Shared>0</Shared>
      <None>359</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>6945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71377A103</cusip>
    <value>774244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>11790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>103582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>57766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>20608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>80000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>106489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3064</Sole>
      <Shared>0</Shared>
      <None>269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>2780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>23483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PETROLEO BRASILEIRO SA PETRO            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>71654V408</cusip>
    <value>288558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PETROLEO BRASILEIRO SA PETRO            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>71654V408</cusip>
    <value>1574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PETROLEO BRASILEIRO SA PETRO            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>71654V408</cusip>
    <value>91064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>15402921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>438729</Sole>
      <Shared>0</Shared>
      <None>25634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>4307324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>129138</Sole>
      <Shared>0</Shared>
      <None>718</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>1714000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>51665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>20897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>36719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>2844427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>85753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>637859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>19230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>213505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>1338000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>39576</Sole>
      <Shared>750</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>99676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>3005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>9921313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>299085</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>279922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>8089</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>2968649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>89311</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>23545625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>709847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>693919</Sole>
      <Shared>0</Shared>
      <None>15928</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>1562496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3817</Sole>
      <Shared>0</Shared>
      <None>43289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>4516096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>135836</Sole>
      <Shared>0</Shared>
      <None>314</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>23438121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>706606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>595934</Sole>
      <Shared>0</Shared>
      <None>110672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>1155543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>34837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>12539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>717081103</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>6629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>390</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>170172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>170000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>369377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>22900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>105329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>165655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8996</Sole>
      <Shared>0</Shared>
      <None>1274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>362159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>35841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1919</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PG&amp;E CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69331C108</cusip>
    <value>1178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>3730233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>40292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>8073346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>85676</Sole>
      <Shared>0</Shared>
      <None>1528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>4067873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>43749</Sole>
      <Shared>0</Shared>
      <None>190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>1168000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>34718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>38050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>2481144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>26800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>491600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>126372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>1676000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>17713</Sole>
      <Shared>390</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>153590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>9167457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>99016</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>1926405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>20627</Sole>
      <Shared>0</Shared>
      <None>181</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>3732826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>40222</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>10397289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>108792</Sole>
      <Shared>0</Shared>
      <None>3514</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>948802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1549</Sole>
      <Shared>0</Shared>
      <None>8581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>1325746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14215</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>19691488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>201725</Sole>
      <Shared>0</Shared>
      <None>10972</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>1565713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16912</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>10184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>2700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>3500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718172109</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>1554861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12941</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>525776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4345</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>369000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>677646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>184070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>520000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>381837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>6204666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>50371</Sole>
      <Shared>0</Shared>
      <None>1270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>264750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>1993</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>877576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7255</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>56139126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>407355</Sole>
      <Shared>0</Shared>
      <None>59887</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>1643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>7781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>21</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>1543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>46</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>347206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHYSICIANS RLTY TR                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71943U104</cusip>
    <value>135797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHYSICIANS RLTY TR                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71943U104</cusip>
    <value>88914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1320</Sole>
      <Shared>0</Shared>
      <None>5974</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHYSICIANS RLTY TR                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71943U104</cusip>
    <value>13799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHYSICIANS RLTY TR                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71943U104</cusip>
    <value>255429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72201B101</cusip>
    <value>1150356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>88015</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>600139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5993</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>63289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>632</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>243556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>67040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>18771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>142259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>806</Sole>
      <Shared>0</Shared>
      <None>1316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>19576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>100024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1484</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>42292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>574</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>51576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>95784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>24314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>47376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>597</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>25501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>208809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2394</Sole>
      <Shared>0</Shared>
      <None>440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>75414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2540</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>107633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3898</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>105000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>207942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>51871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>4865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>641206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21382</Sole>
      <Shared>0</Shared>
      <None>2340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>68981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>284626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>10530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>398828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14578</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>61060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>367739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1555</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>357000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>169637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>671663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2926</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>172622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>8952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>1541199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6132</Sole>
      <Shared>0</Shared>
      <None>582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>94550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>26398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>642740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723787107</cusip>
    <value>4362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>724078100</cusip>
    <value>233949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1577</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>724078100</cusip>
    <value>25429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>724078100</cusip>
    <value>727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
    <value>630000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96643</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
    <value>630112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96643</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>1215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>2503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>41187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>2697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>25596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLDT INC                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>69344D408</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLDT INC                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>69344D408</cusip>
    <value>208873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>5100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>25080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>52820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>14896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>116022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12444</Sole>
      <Shared>0</Shared>
      <None>2822</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>32772</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>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>26410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>783</Sole>
      <Shared>0</Shared>
      <None>2692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>1528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>201</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>5399916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43984</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>216935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1518</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>621216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>178017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>501000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>677813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2695</Sole>
      <Shared>0</Shared>
      <None>2826</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>127190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1036</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>615323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>4942</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>8003867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>63636</Sole>
      <Shared>0</Shared>
      <None>1558</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>327858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>384</Sole>
      <Shared>0</Shared>
      <None>2287</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>1049806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>11598696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>91165</Sole>
      <Shared>0</Shared>
      <None>3310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>275741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>2947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693475105</cusip>
    <value>8480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>202552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>36449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>36000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>72898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>27597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>15100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>2187</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>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>6248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>8190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>89025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>89000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>178050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>42732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>54483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>97215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>29971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>36678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>59103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>938</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>13232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>185816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2446</Sole>
      <Shared>0</Shared>
      <None>503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>620425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>1512</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>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>172283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>6517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>155565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3729</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>6009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>8339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>75900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>30009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>63276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>738</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>20149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>99115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>416</Sole>
      <Shared>0</Shared>
      <None>740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>7631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POST HLDGS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737446104</cusip>
    <value>5916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POTLATCHDELTIC CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737630103</cusip>
    <value>3268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POTLATCHDELTIC CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737630103</cusip>
    <value>6763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POTLATCHDELTIC CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737630103</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POTLATCHDELTIC CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737630103</cusip>
    <value>119013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2534</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POTLATCHDELTIC CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737630103</cusip>
    <value>7262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POTLATCHDELTIC CORPORATION              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>737630103</cusip>
    <value>2460183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>36316</Sole>
      <Shared>0</Shared>
      <None>17885</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWER INTEGRATIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>739276103</cusip>
    <value>109581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWER INTEGRATIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>739276103</cusip>
    <value>1414787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWER INTEGRATIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>739276103</cusip>
    <value>1415000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWER INTEGRATIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>739276103</cusip>
    <value>131406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>1655</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWER INTEGRATIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>739276103</cusip>
    <value>153</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>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>2113923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16264</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>194830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>188000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>376420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>109681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>49418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>985442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6941</Sole>
      <Shared>0</Shared>
      <None>651</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>272580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2090</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693506107</cusip>
    <value>2962036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22563</Sole>
      <Shared>0</Shared>
      <None>257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>335094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13823</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>101308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>101000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>210862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>51479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>217259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>583887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21676</Sole>
      <Shared>0</Shared>
      <None>3107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>335471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6579</Sole>
      <Shared>0</Shared>
      <None>7660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPL CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69351T106</cusip>
    <value>1273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74112D101</cusip>
    <value>9779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74112D101</cusip>
    <value>6691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74112D101</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74112D101</cusip>
    <value>121929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2047</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74112D101</cusip>
    <value>7206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74112D101</cusip>
    <value>67885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>1814985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11876</Sole>
      <Shared>0</Shared>
      <None>5431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>3880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>307269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>84630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>1229286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8971</Sole>
      <Shared>0</Shared>
      <None>2751</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>32620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>1139937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>10864</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>7267806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>66938</Sole>
      <Shared>0</Shared>
      <None>2365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74144T108</cusip>
    <value>1469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICESMART INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>741511109</cusip>
    <value>2679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICESMART INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>741511109</cusip>
    <value>14737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICESMART INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>741511109</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICESMART INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>741511109</cusip>
    <value>155708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2033</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICESMART INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>741511109</cusip>
    <value>170221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMERICA INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164M108</cusip>
    <value>2910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMERICA INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164M108</cusip>
    <value>101467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>523</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMERICA INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164M108</cusip>
    <value>19401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMERICA INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164M108</cusip>
    <value>31430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>83</Sole>
      <Shared>0</Shared>
      <None>79</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMERICA INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164M108</cusip>
    <value>19596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMERICA INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164M108</cusip>
    <value>393258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2019</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMORIS SVCS CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164F103</cusip>
    <value>3568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMORIS SVCS CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164F103</cusip>
    <value>7364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMORIS SVCS CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164F103</cusip>
    <value>7000</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>PRIMORIS SVCS CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164F103</cusip>
    <value>125814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3735</Sole>
      <Shared>0</Shared>
      <None>109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMORIS SVCS CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164F103</cusip>
    <value>7921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIMORIS SVCS CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74164F103</cusip>
    <value>75377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>3748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>233507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>58016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>173905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1735</Sole>
      <Shared>0</Shared>
      <None>678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>47206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>655</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>1081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>151779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>1864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74251V102</cusip>
    <value>404241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5609</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCEPT BIOROBOTICS CORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74276L105</cusip>
    <value>558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCEPT BIOROBOTICS CORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74276L105</cusip>
    <value>144987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCEPT BIOROBOTICS CORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74276L105</cusip>
    <value>145000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCEPT BIOROBOTICS CORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74276L105</cusip>
    <value>1772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCEPT BIOROBOTICS CORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74276L105</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>45231770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>305042</Sole>
      <Shared>0</Shared>
      <None>5062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>6482602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44171</Sole>
      <Shared>0</Shared>
      <None>273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>2607000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>48134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>74097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>29172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>5258253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>36050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>1182925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>8110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>531462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>2529000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>17006</Sole>
      <Shared>335</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>221270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>13877996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>95143</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>3129572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>21300</Sole>
      <Shared>0</Shared>
      <None>156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>5521968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>37747</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>43191626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>286377</Sole>
      <Shared>0</Shared>
      <None>9740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>3055183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3677</Sole>
      <Shared>0</Shared>
      <None>17269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>5717274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>37845</Sole>
      <Shared>0</Shared>
      <None>1352</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>79800006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>547100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>483289</Sole>
      <Shared>0</Shared>
      <None>63811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>854885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>23338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>742718109</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROG HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM NPV             </titleOfClass>
    <cusip>74319R101</cusip>
    <value>5845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROG HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM NPV             </titleOfClass>
    <cusip>74319R101</cusip>
    <value>6144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROG HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM NPV             </titleOfClass>
    <cusip>74319R101</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROG HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM NPV             </titleOfClass>
    <cusip>74319R101</cusip>
    <value>205138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6080</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROG HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM NPV             </titleOfClass>
    <cusip>74319R101</cusip>
    <value>6642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROG HOLDINGS INC                       </nameOfIssuer>
    <titleOfClass>COM NPV             </titleOfClass>
    <cusip>74319R101</cusip>
    <value>62534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>7195124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48495</Sole>
      <Shared>0</Shared>
      <None>3157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>1886540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13482</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>1699000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>5433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>1028034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>279297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2005</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>1865000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13391</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>20338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>1867038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10141</Sole>
      <Shared>0</Shared>
      <None>3262</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>494241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2114</Sole>
      <Shared>0</Shared>
      <None>1434</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>46248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>1379209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8205</Sole>
      <Shared>0</Shared>
      <None>1696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>402159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743315103</cusip>
    <value>55720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>38264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>651603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5637</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>633000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>1315999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11728</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>358623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>1050398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5124</Sole>
      <Shared>0</Shared>
      <None>4237</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>63210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>563</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>5611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>946604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5453</Sole>
      <Shared>0</Shared>
      <None>2983</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>9107973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>81169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC.                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74340W103</cusip>
    <value>3816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>61730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1114</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>839277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15377</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>839000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15377</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>61293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>19649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>6784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>124</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>78104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1269</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>743606105</cusip>
    <value>17302</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>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>692507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7295</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>52664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>453574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>124306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>173933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>1758</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>61299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>646</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>295677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>3072</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>509464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4554</Sole>
      <Shared>0</Shared>
      <None>815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>69625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>734</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>5449153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>56484</Sole>
      <Shared>0</Shared>
      <None>942</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744320102</cusip>
    <value>5884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>92092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>191268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>58089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>88550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>25078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PTC INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>69370C100</cusip>
    <value>60781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>382</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>481451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1823</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>250344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>250000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>516499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>142301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>70477</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>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>223201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>529</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>270372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1026</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>169707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>493</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74460D109</cusip>
    <value>4282727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>140682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2391</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>173576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>174000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>349997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>100731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>56910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>425914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6350</Sole>
      <Shared>0</Shared>
      <None>1134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>78323</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>PUBLIC SVC ENTERPRISE GRP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>744573106</cusip>
    <value>740228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7773</Sole>
      <Shared>0</Shared>
      <None>5234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>217041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>117740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>118000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>221410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>68496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>9775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>153056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>1168361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15334</Sole>
      <Shared>0</Shared>
      <None>444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>20364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>358846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4675</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PULTE GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>745867101</cusip>
    <value>1852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE CYCLE CORP                         </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>746228303</cusip>
    <value>235000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24459</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE CYCLE CORP                         </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>746228303</cusip>
    <value>234806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24459</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>74624M102</cusip>
    <value>3847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>74624M102</cusip>
    <value>51649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>74624M102</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>74624M102</cusip>
    <value>124492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>74624M102</cusip>
    <value>30811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>74624M102</cusip>
    <value>18237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>395</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>74624M102</cusip>
    <value>606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURECYCLE TECHNOLOGIES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74623V103</cusip>
    <value>567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURECYCLE TECHNOLOGIES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74623V103</cusip>
    <value>73110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12969</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURECYCLE TECHNOLOGIES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74623V103</cusip>
    <value>146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PURECYCLE TECHNOLOGIES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74623V103</cusip>
    <value>1795200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>320000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>38791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>35000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>62738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>22570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>16986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>102064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PVH CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>693656100</cusip>
    <value>15761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>177</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>4901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>96593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1313</Sole>
      <Shared>0</Shared>
      <None>1072</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>121500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>30861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>102344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1991</Sole>
      <Shared>0</Shared>
      <None>536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>253632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482123</cusip>
    <value>23328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>122488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>57282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>119338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>30550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>155903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1489</Sole>
      <Shared>0</Shared>
      <None>144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>161249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1277</Sole>
      <Shared>0</Shared>
      <None>412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QORVO INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74736K101</cusip>
    <value>286</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>QUAKER HOUGHTON                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747316107</cusip>
    <value>223040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1372</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUAKER HOUGHTON                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747316107</cusip>
    <value>26240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>4427074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37748</Sole>
      <Shared>0</Shared>
      <None>2114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>4970601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44515</Sole>
      <Shared>0</Shared>
      <None>241</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>1202000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>47867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>50088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>2457758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>22130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>422583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>19750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>2437000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21522</Sole>
      <Shared>425</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>224674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>13992338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>125981</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>3407432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>30482</Sole>
      <Shared>0</Shared>
      <None>199</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>5719812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>51356</Sole>
      <Shared>0</Shared>
      <None>146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>19763349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>171730</Sole>
      <Shared>0</Shared>
      <None>6222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>478112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1512</Sole>
      <Shared>0</Shared>
      <None>2793</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>5572102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50156</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>36024643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>309308</Sole>
      <Shared>0</Shared>
      <None>15063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>615939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>7330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>1296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>747525103</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALYS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74758T303</cusip>
    <value>247131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>1569</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALYS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74758T303</cusip>
    <value>1068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALYS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74758T303</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>30305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>166492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>166000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>334481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>88858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>164105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>877</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>1374029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6954</Sole>
      <Shared>0</Shared>
      <None>391</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTA SVCS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74762E102</cusip>
    <value>33298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>4101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>328</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>11373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>23081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>4549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>6470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>967</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>33898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3889</Sole>
      <Shared>0</Shared>
      <None>1178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUANTUMSCAPE CORP                       </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>74767V109</cusip>
    <value>59273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8812</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>1584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>97366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>93000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>170604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>48135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>259074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1689</Sole>
      <Shared>0</Shared>
      <None>437</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>31562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>208015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1178</Sole>
      <Shared>0</Shared>
      <None>529</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74834L100</cusip>
    <value>1463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>3214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>1240804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>16705</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>1236000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>16705</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>48791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>8692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>2411</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>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>97362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1325</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>24103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUIDELORTHO CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>219798105</cusip>
    <value>55145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>3978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>1259731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>498</Sole>
      <Shared>0</Shared>
      <None>83094</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>1273000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>84453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>18084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>13036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>131998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>8258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>79072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5247</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>1912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>55097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>55000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>98851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>19284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>36461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>982</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>99582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3073</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>13645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANPAK HOLDINGS CORP                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>75321W103</cusip>
    <value>397000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RANPAK HOLDINGS CORP                    </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>75321W103</cusip>
    <value>397490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAPID7 INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>753422104</cusip>
    <value>143154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3107</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAPID7 INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>753422104</cusip>
    <value>6272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAPID7 INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>753422104</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAPID7 INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>753422104</cusip>
    <value>129145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2304</Sole>
      <Shared>0</Shared>
      <None>517</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAPID7 INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>753422104</cusip>
    <value>6318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAPID7 INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>753422104</cusip>
    <value>60704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>4821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>257603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>74017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>737</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>84000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>84160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>289238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2613</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>15286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>258607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754730109</cusip>
    <value>406641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3803</Sole>
      <Shared>0</Shared>
      <None>246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>27037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>55924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>15511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>5579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>14856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>229</Sole>
      <Shared>0</Shared>
      <None>293</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>73939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2503</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>126938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>1208875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>18912</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>1207000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>18878</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>139125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>35375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>566</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1429</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>2063</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>RB GLOBAL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74935Q107</cusip>
    <value>102750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1622</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>545757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1827</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>1413209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6036</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>1413000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6036</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>81946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>24584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>151248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>236</Sole>
      <Shared>0</Shared>
      <None>410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RBC BEARINGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75524B104</cusip>
    <value>225701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>154215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3021</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>213344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>213000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>431482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>112065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>579454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8835</Sole>
      <Shared>0</Shared>
      <None>2768</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>4981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>136736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2043</Sole>
      <Shared>0</Shared>
      <None>695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>3110763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>62290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>756109104</cusip>
    <value>1299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDWOOD TRUST INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758075402</cusip>
    <value>5775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>376</Sole>
      <Shared>0</Shared>
      <None>434</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDWOOD TRUST INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758075402</cusip>
    <value>4955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDWOOD TRUST INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758075402</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDWOOD TRUST INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758075402</cusip>
    <value>86679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11546</Sole>
      <Shared>0</Shared>
      <None>611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDWOOD TRUST INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758075402</cusip>
    <value>6859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDWOOD TRUST INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758075402</cusip>
    <value>52769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>8573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>92872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>93000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>128592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>26433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>404350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2661</Sole>
      <Shared>0</Shared>
      <None>169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>53767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>376</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>20432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGAL REXNORD CORPORATION               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758750103</cusip>
    <value>290046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2022</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>54388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>132730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>36258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>42440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>649</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>5208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>30552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>469</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENCY CTRS CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>758849103</cusip>
    <value>874778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14717</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>177759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>209</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>511881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>610</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>502000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>1110996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>292974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>1243493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1126</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>189281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>420533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75886F107</cusip>
    <value>4115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>7591EP100</cusip>
    <value>203063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>7591EP100</cusip>
    <value>59976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>7591EP100</cusip>
    <value>132784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5036</Sole>
      <Shared>0</Shared>
      <None>2684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>7591EP100</cusip>
    <value>73041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>7591EP100</cusip>
    <value>6880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>7591EP100</cusip>
    <value>139905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2326</Sole>
      <Shared>0</Shared>
      <None>5808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>759351604</cusip>
    <value>24682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>759351604</cusip>
    <value>6679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>759351604</cusip>
    <value>114700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>790</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>28312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>195</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>5082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>35</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>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>46</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>718691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4775</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>759351604</cusip>
    <value>100472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>759351604</cusip>
    <value>18730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>129</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>277894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1897</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REINSURANCE GRP OF AMERICA I            </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>759351604</cusip>
    <value>11761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELAY THERAPEUTICS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75943R102</cusip>
    <value>1161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELAY THERAPEUTICS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75943R102</cusip>
    <value>192513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22891</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELAY THERAPEUTICS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75943R102</cusip>
    <value>193000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22891</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELAY THERAPEUTICS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75943R102</cusip>
    <value>782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>91781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>196673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>61624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>240867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>249643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>8391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759509102</cusip>
    <value>3934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELX PLC                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>759530108</cusip>
    <value>16041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELX PLC                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>759530108</cusip>
    <value>187035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4060</Sole>
      <Shared>0</Shared>
      <None>1490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELX PLC                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>759530108</cusip>
    <value>187000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELX PLC                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>759530108</cusip>
    <value>292651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6998</Sole>
      <Shared>0</Shared>
      <None>1686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RELX PLC                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>759530108</cusip>
    <value>276711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7325</Sole>
      <Shared>0</Shared>
      <None>886</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>3563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>8906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>144086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>728</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>35626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>9000</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>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>691469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3494</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>291338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1384</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>12271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>1908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>55654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>56000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>119258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>35777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>2227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>106378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPLIGEN CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>759916109</cusip>
    <value>103038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>633742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4403</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>267919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>174000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>390477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>106170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>94000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>410429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1706</Sole>
      <Shared>0</Shared>
      <None>1174</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>435967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>2280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>2126819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2320</Sole>
      <Shared>0</Shared>
      <None>12604</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>760759100</cusip>
    <value>4703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESERVOIR MEDIA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76119X105</cusip>
    <value>266009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESERVOIR MEDIA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76119X105</cusip>
    <value>266000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>41404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>262</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>124211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>124000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>276517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>72456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>53876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>373815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1459</Sole>
      <Shared>0</Shared>
      <None>1069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>3697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>505863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3115</Sole>
      <Shared>0</Shared>
      <None>306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESMED INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>761152107</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131D103</cusip>
    <value>244362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131D103</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131D103</cusip>
    <value>140168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131D103</cusip>
    <value>7528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131D103</cusip>
    <value>988641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14700</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RETAIL OPPORTUNITY INVTS COR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131N101</cusip>
    <value>3640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RETAIL OPPORTUNITY INVTS COR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131N101</cusip>
    <value>9619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>244</Sole>
      <Shared>0</Shared>
      <None>533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RETAIL OPPORTUNITY INVTS COR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131N101</cusip>
    <value>1176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RETAIL OPPORTUNITY INVTS COR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76131N101</cusip>
    <value>133407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVOLVE GROUP INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>76156B107</cusip>
    <value>26471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVOLVE GROUP INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>76156B107</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVOLVE GROUP INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>76156B107</cusip>
    <value>248110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVOLVE GROUP INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>76156B107</cusip>
    <value>112296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>4982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>91881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>168264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>50369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>156862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1194</Sole>
      <Shared>0</Shared>
      <None>223</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>21699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>51808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REVVITY INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>714046109</cusip>
    <value>554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>1777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>61688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>128310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>33558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>151159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2426</Sole>
      <Shared>0</Shared>
      <None>637</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>64649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REXFORD INDL RLTY INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>76169C100</cusip>
    <value>899897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>767204100</cusip>
    <value>239986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>767204100</cusip>
    <value>65613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>767204100</cusip>
    <value>33666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>767204100</cusip>
    <value>66000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>767204100</cusip>
    <value>2045581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>31006</Sole>
      <Shared>0</Shared>
      <None>1137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>767204100</cusip>
    <value>45503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC                           </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>767204100</cusip>
    <value>1624284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24990</Sole>
      <Shared>0</Shared>
      <None>533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITHM CAPITAL CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>64828T201</cusip>
    <value>8361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITHM CAPITAL CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>64828T201</cusip>
    <value>56827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4966</Sole>
      <Shared>0</Shared>
      <None>1151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITHM CAPITAL CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>64828T201</cusip>
    <value>15577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1664</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITHM CAPITAL CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>64828T201</cusip>
    <value>1459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITHM CAPITAL CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>64828T201</cusip>
    <value>31456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2860</Sole>
      <Shared>0</Shared>
      <None>526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITHM CAPITAL CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>64828T201</cusip>
    <value>929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>37610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1509</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>70412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>70000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>161462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>46618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>9615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>1184743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>47105</Sole>
      <Shared>0</Shared>
      <None>1690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>47031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1937</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>561354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>23042</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>768389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>31104</Sole>
      <Shared>0</Shared>
      <None>543</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC                   </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>76954A103</cusip>
    <value>5221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749607107</cusip>
    <value>966000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749607107</cusip>
    <value>965770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749607107</cusip>
    <value>47562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749607107</cusip>
    <value>16307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749607107</cusip>
    <value>45659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749607107</cusip>
    <value>19432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLI CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749607107</cusip>
    <value>172580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TR                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74965L101</cusip>
    <value>2467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TR                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74965L101</cusip>
    <value>4934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TR                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74965L101</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TR                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74965L101</cusip>
    <value>88316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8646</Sole>
      <Shared>0</Shared>
      <None>375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TR                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74965L101</cusip>
    <value>5502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TR                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74965L101</cusip>
    <value>52053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RLJ LODGING TR                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>74965L101</cusip>
    <value>139204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>17367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>43968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>102445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>30778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>54300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>76880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>4397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>177411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2292</Sole>
      <Shared>0</Shared>
      <None>129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>770323103</cusip>
    <value>1906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>770700102</cusip>
    <value>89271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>770700102</cusip>
    <value>18884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>770700102</cusip>
    <value>29529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>770700102</cusip>
    <value>44380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1845</Sole>
      <Shared>0</Shared>
      <None>2679</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>770700102</cusip>
    <value>10987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1091</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>2722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>76918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>75000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>162176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>45467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>74891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1241</Sole>
      <Shared>0</Shared>
      <None>1345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>18998</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>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>9615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>236</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBLOX CORP                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>771049103</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKET LAB USA INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773122106</cusip>
    <value>67000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15218</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKET LAB USA INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773122106</cusip>
    <value>66655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15218</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKET LAB USA INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773122106</cusip>
    <value>3916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>747</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>859611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2999</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>289586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>918</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>212000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>85761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>434522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>108631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>325320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>1088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>114062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>557732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>1924</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>839886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2316</Sole>
      <Shared>0</Shared>
      <None>622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>29529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>773903109</cusip>
    <value>1406195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4460</Sole>
      <Shared>0</Shared>
      <None>459</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>775109200</cusip>
    <value>30405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>775109200</cusip>
    <value>9559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>775109200</cusip>
    <value>14358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>775109200</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>775109200</cusip>
    <value>589018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>775109200</cusip>
    <value>18043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>775109200</cusip>
    <value>651632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16676</Sole>
      <Shared>0</Shared>
      <None>298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>3035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>48354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>112944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>29648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>170122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1567</Sole>
      <Shared>0</Shared>
      <None>843</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>21107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>1059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>77543R102</cusip>
    <value>27036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>361</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>46177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>113857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>25198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>99186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2131</Sole>
      <Shared>0</Shared>
      <None>526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>21836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>42594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>997</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>775711104</cusip>
    <value>19673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>442148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>329310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>320000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>653778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>179184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>9201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>3728472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7209</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>515327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>2270789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1222</Sole>
      <Shared>0</Shared>
      <None>3467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>6598799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3607</Sole>
      <Shared>0</Shared>
      <None>10019</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>776696106</cusip>
    <value>117196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>1884345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5645</Sole>
      <Shared>0</Shared>
      <None>11038</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>435196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3781</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>238000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>473261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>133281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>203000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>5648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>57956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>1264023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9014</Sole>
      <Shared>0</Shared>
      <None>2177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>331395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2902</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>892870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6665</Sole>
      <Shared>0</Shared>
      <None>1240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>778296103</cusip>
    <value>395890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>55350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>17575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>26319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>1348237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>612080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>33052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780087102</cusip>
    <value>2754273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30785</Sole>
      <Shared>0</Shared>
      <None>714</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>5068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>136091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>130000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>265363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>70026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>275222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1596</Sole>
      <Shared>0</Shared>
      <None>1391</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>29209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>104579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>413</Sole>
      <Shared>0</Shared>
      <None>722</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>42532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>80598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>21266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>81023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>388</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>7896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>780287108</cusip>
    <value>16800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>1656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>67850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>124844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>40032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>11209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>95370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1905</Sole>
      <Shared>0</Shared>
      <None>1609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>34251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>1027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>672203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>246696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2529</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>76000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>142215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>37450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>611000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>458691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>3891951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>40439</Sole>
      <Shared>0</Shared>
      <None>611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>13730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>450348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RPM INTL INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>749685103</cusip>
    <value>3886641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>40940</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>5761414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78700</Sole>
      <Shared>0</Shared>
      <None>1353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>686954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9519</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>678000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>1346127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18704</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>359274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>206831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>13027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>18064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>12191358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>165219</Sole>
      <Shared>0</Shared>
      <None>4176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>139143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1933</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>1974281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>23179</Sole>
      <Shared>0</Shared>
      <None>4253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>25817222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>333238</Sole>
      <Shared>0</Shared>
      <None>25484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>427718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75513E101</cusip>
    <value>4535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>781846209</cusip>
    <value>4287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>781846209</cusip>
    <value>9187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>781846209</cusip>
    <value>9000</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>RUSH ENTERPRISES INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>781846209</cusip>
    <value>150091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3565</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>781846209</cusip>
    <value>9922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>781846209</cusip>
    <value>89867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>196940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>70180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>17666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>463000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>265764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>5491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>2817606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>58192</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78351F107</cusip>
    <value>1385498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28147</Sole>
      <Shared>0</Shared>
      <None>479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYANAIR HOLDINGS PLC                    </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>783513203</cusip>
    <value>3888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYANAIR HOLDINGS PLC                    </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>783513203</cusip>
    <value>72130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYANAIR HOLDINGS PLC                    </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>783513203</cusip>
    <value>72000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYANAIR HOLDINGS PLC                    </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>783513203</cusip>
    <value>74366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYANAIR HOLDINGS PLC                    </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>783513203</cusip>
    <value>116069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>3743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>37433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>37000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>57753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>10160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>60916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>36684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>192</Sole>
      <Shared>0</Shared>
      <None>151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>783549108</cusip>
    <value>5561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78377T107</cusip>
    <value>9078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78377T107</cusip>
    <value>1012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78377T107</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78377T107</cusip>
    <value>2998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYMAN HOSPITALITY PPTYS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78377T107</cusip>
    <value>439219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>767726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1681</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>9866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>1512432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>405971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>10922470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27198</Sole>
      <Shared>0</Shared>
      <None>2693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>232566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>116931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>307</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>4961172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11761</Sole>
      <Shared>0</Shared>
      <None>1816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>515594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78409V104</cusip>
    <value>5116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>2064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>42935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2487</Sole>
      <Shared>0</Shared>
      <None>593</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>1561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>3694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>284711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAFEHOLD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78646V107</cusip>
    <value>196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAFEHOLD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78646V107</cusip>
    <value>418264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAFEHOLD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78646V107</cusip>
    <value>73247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>38669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>135541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>213000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>174210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>959152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2398</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>525022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1279</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>1237769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6047</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>1439738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6744</Sole>
      <Shared>0</Shared>
      <None>356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>1230000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>2446743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12066</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>659643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>9125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>149000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>951849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1535</Sole>
      <Shared>0</Shared>
      <None>3159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>234008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>1153818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>5578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>6795766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29764</Sole>
      <Shared>0</Shared>
      <None>3749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>517698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>602</Sole>
      <Shared>0</Shared>
      <None>1951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>464569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2215</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>8253957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>38221</Sole>
      <Shared>0</Shared>
      <None>2483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>639365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79466L302</cusip>
    <value>13384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALLY BEAUTY HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79546E104</cusip>
    <value>553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALLY BEAUTY HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79546E104</cusip>
    <value>293057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34971</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALLY BEAUTY HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79546E104</cusip>
    <value>293000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34971</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALLY BEAUTY HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79546E104</cusip>
    <value>2841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALLY BEAUTY HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>79546E104</cusip>
    <value>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANDSTORM GOLD LTD                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>80013R206</cusip>
    <value>48930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>80105N105</cusip>
    <value>135387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>80105N105</cusip>
    <value>14536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>80105N105</cusip>
    <value>21724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>80105N105</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>80105N105</cusip>
    <value>1638541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28930</Sole>
      <Shared>0</Shared>
      <None>1617</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>80105N105</cusip>
    <value>27356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>80105N105</cusip>
    <value>758255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12588</Sole>
      <Shared>0</Shared>
      <None>1548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
    <cusip>803054204</cusip>
    <value>48883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
    <cusip>803054204</cusip>
    <value>143933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>685</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
    <cusip>803054204</cusip>
    <value>144000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
    <cusip>803054204</cusip>
    <value>2288317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17550</Sole>
      <Shared>0</Shared>
      <None>145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
    <cusip>803054204</cusip>
    <value>38667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
    <cusip>803054204</cusip>
    <value>1381784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9038</Sole>
      <Shared>0</Shared>
      <None>1647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>1940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>66671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>67000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>135160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>38184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>97946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>551</Sole>
      <Shared>0</Shared>
      <None>257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>5213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>803607100</cusip>
    <value>22426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>131912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>126000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>270230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>72061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>193765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>51097</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>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>1001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>78410G104</cusip>
    <value>54246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>194</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>1432723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>24575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>1337927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22783</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>538809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9152</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>534000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>1025847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>17596</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>284504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>5000</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>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>1108166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13228</Sole>
      <Shared>0</Shared>
      <None>5780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>268343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4592</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>136888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>5257086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>85380</Sole>
      <Shared>0</Shared>
      <None>4793</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>398655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
    <titleOfClass>COM STK             </titleOfClass>
    <cusip>806857108</cusip>
    <value>3557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>160353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5791</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>13845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>17251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>13983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>110151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1636</Sole>
      <Shared>0</Shared>
      <None>2342</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>18227</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>SCHNEIDER NATIONAL INC                  </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>80689H102</cusip>
    <value>166</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>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>1050841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18989</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>1072142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19412</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>1032395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>284931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>1284000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>23385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>224651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>11134763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>197054</Sole>
      <Shared>0</Shared>
      <None>5765</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>298821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2353</Sole>
      <Shared>0</Shared>
      <None>3090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>2717934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>43775</Sole>
      <Shared>0</Shared>
      <None>5732</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>7681553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>94798</Sole>
      <Shared>0</Shared>
      <None>45121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>255999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>6973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US LRG CAP ETF      </titleOfClass>
    <cusip>808524201</cusip>
    <value>87134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1722</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US LRG CAP ETF      </titleOfClass>
    <cusip>808524201</cusip>
    <value>469214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9273</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US MID-CAP ETF      </titleOfClass>
    <cusip>808524508</cusip>
    <value>310448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ      </titleOfClass>
    <cusip>808524797</cusip>
    <value>102602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ      </titleOfClass>
    <cusip>808524797</cusip>
    <value>95880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ      </titleOfClass>
    <cusip>808524797</cusip>
    <value>3693672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>52200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US REIT ETF         </titleOfClass>
    <cusip>808524847</cusip>
    <value>25258250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1423000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1423000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US REIT ETF         </titleOfClass>
    <cusip>808524847</cusip>
    <value>6852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>386</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>36939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>37000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>73878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>19525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>2217</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>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>22269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>2427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808625107</cusip>
    <value>675456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>34426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>499110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7508</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>23017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>65950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>56981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>4455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>184995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>182000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>381870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>98438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>23549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>240154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>439</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>24397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81181C104</cusip>
    <value>1486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>31151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>31217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>57505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>16101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>120629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3230</Sole>
      <Shared>0</Shared>
      <None>441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>5437</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>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>183523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4783</Sole>
      <Shared>0</Shared>
      <None>802</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>92754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>30416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>97091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>241</Sole>
      <Shared>0</Shared>
      <None>1371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>73977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>467867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3344</Sole>
      <Shared>0</Shared>
      <None>4424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>15600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>5762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>77000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3053</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>77149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3053</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>202438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6869</Sole>
      <Shared>0</Shared>
      <None>1142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>235390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>337456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>176738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>265000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>264714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>405711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>860369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4913</Sole>
      <Shared>0</Shared>
      <None>1770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1062749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>12874</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>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>151012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>822906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6392</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>252464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1433</Sole>
      <Shared>0</Shared>
      <None>2236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI CONS STPLS      </titleOfClass>
    <cusip>81369Y308</cusip>
    <value>568000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8255</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>568027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>8255</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>582270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8462</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>13762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>200</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>940220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13664</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>338863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI CONS DISCR      </titleOfClass>
    <cusip>81369Y407</cusip>
    <value>1063000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6600</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>1062468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6600</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>1180949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7336</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>20123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI CONS DISCR      </titleOfClass>
    <cusip>81369Y407</cusip>
    <value>280588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1743</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>257973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2094</Sole>
      <Shared>0</Shared>
      <None>760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1967000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1965983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>21750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1622139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>994109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9548</Sole>
      <Shared>0</Shared>
      <None>1450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>290171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>2546000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>76750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>2545798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>76750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1483993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>9951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>565350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>247367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1115</Sole>
      <Shared>0</Shared>
      <None>1325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>996000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>996059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>9825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>466449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>12673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>204382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2016</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1210951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6037</Sole>
      <Shared>0</Shared>
      <None>1350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>4895000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>29865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>4895769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>29865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>5788532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>109178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2705009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>1543000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>23535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>1543190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>23535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>373093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>2951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>45</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>498614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12855</Sole>
      <Shared>0</Shared>
      <None>1780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>RL EST SEL SEC      </titleOfClass>
    <cusip>81369Y860</cusip>
    <value>365503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10695</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>RL EST SEL SEC      </titleOfClass>
    <cusip>81369Y860</cusip>
    <value>505000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14828</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>139687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4100</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>887694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26055</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>32162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>944</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>1698219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>49845</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>502319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7161</Sole>
      <Shared>0</Shared>
      <None>1363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI INT-UTILS       </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>328000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5560</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>327651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>5560</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>388643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6595</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>41251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI INT-UTILS       </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>5893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>4354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>276202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>272000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>544240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>144564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>441038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3557</Sole>
      <Shared>0</Shared>
      <None>2926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>93463</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>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>360287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>5246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>377703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3805</Sole>
      <Shared>0</Shared>
      <None>1747</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>1891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>39711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>40000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>79346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>19856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>46481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>697</Sole>
      <Shared>0</Shared>
      <None>532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>6959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>4728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>659713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>660000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>103100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>684</Sole>
      <Shared>0</Shared>
      <None>1079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>8597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>13256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>162335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2681</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>66000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>112566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>27999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>96000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>152278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2220</Sole>
      <Shared>0</Shared>
      <None>445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>29313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>34341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>148507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2205</Sole>
      <Shared>0</Shared>
      <None>394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE PPTYS TR                        </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>81761L102</cusip>
    <value>40965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4851</Sole>
      <Shared>0</Shared>
      <None>476</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE PPTYS TR                        </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>81761L102</cusip>
    <value>1661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE PPTYS TR                        </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>81761L102</cusip>
    <value>1958</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>SERVICE PPTYS TR                        </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>81761L102</cusip>
    <value>1261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE PPTYS TR                        </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>81761L102</cusip>
    <value>122717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>4924438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8791</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>3470583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6181</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>3315000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>3913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>1453296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>387359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>2733000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>304074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>6708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>3978677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6415</Sole>
      <Shared>0</Shared>
      <None>703</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>382888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>760745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1356</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>4716504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7377</Sole>
      <Shared>0</Shared>
      <None>1061</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>238117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81762P102</cusip>
    <value>89993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>161</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81768T108</cusip>
    <value>4539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81768T108</cusip>
    <value>59943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81768T108</cusip>
    <value>124000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81768T108</cusip>
    <value>64273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81768T108</cusip>
    <value>705860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81768T108</cusip>
    <value>199185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81768T108</cusip>
    <value>535525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHARECARE INC                           </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>81948W104</cusip>
    <value>277567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>295158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>1102829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>230802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>972</Sole>
      <Shared>0</Shared>
      <None>2613</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>36632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>231000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>2822033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>41430</Sole>
      <Shared>0</Shared>
      <None>2404</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>12490</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>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>97600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC                               </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>780259305</cusip>
    <value>10317732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>136254</Sole>
      <Shared>0</Shared>
      <None>24009</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>4782188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3695</Sole>
      <Shared>0</Shared>
      <None>15055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>2841002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11106</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>1176000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>9692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>5356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>765150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>210416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>69374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>764000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>123444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>484</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>11843757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>46431</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>3749235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>14700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>4955111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19408</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>6808815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25805</Sole>
      <Shared>0</Shared>
      <None>891</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>150484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>881198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3401</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>3580647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13242</Sole>
      <Shared>0</Shared>
      <None>797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>286931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>824348106</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L            </nameOfIssuer>
    <titleOfClass>SPN ADR RESTRD      </titleOfClass>
    <cusip>824596100</cusip>
    <value>662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L            </nameOfIssuer>
    <titleOfClass>SPN ADR RESTRD      </titleOfClass>
    <cusip>824596100</cusip>
    <value>200980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>13806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>5402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>99</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>52060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>1201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>615822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10595</Sole>
      <Shared>0</Shared>
      <None>690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>10696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>225592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>82509L107</cusip>
    <value>378770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5778</Sole>
      <Shared>0</Shared>
      <None>1163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGHT SCIENCES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82657M105</cusip>
    <value>88000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGHT SCIENCES INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82657M105</cusip>
    <value>88068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>151575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>21555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>22000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>34704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>14011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>138081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>2528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>87675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>202617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILGAN HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>827048109</cusip>
    <value>1940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILICON LABORATORIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>826919102</cusip>
    <value>201880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILICON LABORATORIES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>826919102</cusip>
    <value>8692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILK RD MED INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82710M100</cusip>
    <value>555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILK RD MED INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82710M100</cusip>
    <value>323169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1059</Sole>
      <Shared>0</Shared>
      <None>20500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILK RD MED INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82710M100</cusip>
    <value>307000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILK RD MED INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82710M100</cusip>
    <value>88000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILK RD MED INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82710M100</cusip>
    <value>71877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILK RD MED INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82710M100</cusip>
    <value>371782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24802</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SILK RD MED INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82710M100</cusip>
    <value>213113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13759</Sole>
      <Shared>0</Shared>
      <None>458</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>380914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3496</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>237666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>238000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>436765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4043</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>117321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>7797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>447244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2936</Sole>
      <Shared>0</Shared>
      <None>1204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>3241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>549225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4278</Sole>
      <Shared>0</Shared>
      <None>806</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>3123795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>28916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>828806109</cusip>
    <value>2720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MFG INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>829073105</cusip>
    <value>1498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MFG INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>829073105</cusip>
    <value>944252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MFG INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>829073105</cusip>
    <value>944000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MFG INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>829073105</cusip>
    <value>7640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MFG INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>829073105</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPSON MFG INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>829073105</cusip>
    <value>490478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>2011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>371</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>16408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>32725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>3006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>23676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4820</Sole>
      <Shared>0</Shared>
      <None>418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>153811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82968B103</cusip>
    <value>75190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15301</Sole>
      <Shared>0</Shared>
      <None>1334</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITE CTRS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82981J109</cusip>
    <value>5117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITE CTRS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82981J109</cusip>
    <value>9938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITE CTRS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82981J109</cusip>
    <value>888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITE CTRS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82981J109</cusip>
    <value>3317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITE CTRS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82981J109</cusip>
    <value>200264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16242</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>1471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>84177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>89898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>24518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>194000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>159037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>889168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5210</Sole>
      <Shared>0</Shared>
      <None>230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>3760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>82982L103</cusip>
    <value>468448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2780</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SK TELECOM LTD                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>78440P306</cusip>
    <value>300075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13983</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SK TELECOM LTD                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>78440P306</cusip>
    <value>188462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>1517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>866660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>16895</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>867000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>16895</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>87767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>18356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>8175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>148</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>20755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKECHERS U S A INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>830566105</cusip>
    <value>1175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>1282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>119294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>119000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>197180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>53239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>10287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>239475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1916</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83088M102</cusip>
    <value>1165827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11613</Sole>
      <Shared>0</Shared>
      <None>212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>1306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>15032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>297</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>5744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>13465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SL GREEN RLTY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78440X887</cusip>
    <value>279377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLM CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78442P106</cusip>
    <value>47806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLM CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78442P106</cusip>
    <value>10964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLM CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78442P106</cusip>
    <value>67296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4141</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLM CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78442P106</cusip>
    <value>28902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART GLOBAL HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8232Y101</cusip>
    <value>5040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>192</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART GLOBAL HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8232Y101</cusip>
    <value>8888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART GLOBAL HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8232Y101</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART GLOBAL HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8232Y101</cusip>
    <value>153088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6172</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART GLOBAL HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8232Y101</cusip>
    <value>9545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART GLOBAL HLDGS INC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8232Y101</cusip>
    <value>90704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>48936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>112421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>33726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>132326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>441</Sole>
      <Shared>0</Shared>
      <None>1560</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH A O CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>831865209</cusip>
    <value>56078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>643</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>428956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3488</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>154498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>74000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>159783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>45477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>81000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>286012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2052</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>1053093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8257</Sole>
      <Shared>0</Shared>
      <None>311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>71411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>5200568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>40718</Sole>
      <Shared>0</Shared>
      <None>1594</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>832696405</cusip>
    <value>29007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>5829141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>2965073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>2852000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>4336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>173441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>51012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>2913000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>121919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>732022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2788</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>312846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>967</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>282351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>3507330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12693</Sole>
      <Shared>0</Shared>
      <None>1058</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP ON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>833034101</cusip>
    <value>84680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>135813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>839</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>304929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1960</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>290000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>600386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>169575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>5000</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>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>80815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>1986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>467629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1983</Sole>
      <Shared>0</Shared>
      <None>1078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>48734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>2139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>297596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1889</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>833445109</cusip>
    <value>3209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83406F102</cusip>
    <value>1326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83406F102</cusip>
    <value>97878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83406F102</cusip>
    <value>21094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83406F102</cusip>
    <value>70056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5716</Sole>
      <Shared>0</Shared>
      <None>3052</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83406F102</cusip>
    <value>4267</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>SOFI TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>83406F102</cusip>
    <value>31608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3690</Sole>
      <Shared>0</Shared>
      <None>266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONENDO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835431107</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45702</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONENDO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835431107</cusip>
    <value>34085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45702</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>54676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>38045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>55981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>16305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>31034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>407</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>5109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>835495102</cusip>
    <value>2579723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>44465</Sole>
      <Shared>0</Shared>
      <None>3000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>835699307</cusip>
    <value>155343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1853</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>835699307</cusip>
    <value>244510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2116</Sole>
      <Shared>0</Shared>
      <None>851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>835699307</cusip>
    <value>643000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7798</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>835699307</cusip>
    <value>415676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>5044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>835699307</cusip>
    <value>3602141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42625</Sole>
      <Shared>0</Shared>
      <None>1085</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>835699307</cusip>
    <value>236682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2872</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORP                         </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>835699307</cusip>
    <value>1650260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>19284</Sole>
      <Shared>0</Shared>
      <None>741</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>1319252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20259</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>445144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6800</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>440000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>893136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>232021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>441698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>6075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>1484418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18458</Sole>
      <Shared>0</Shared>
      <None>4478</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>208075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3200</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>4607740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>67917</Sole>
      <Shared>0</Shared>
      <None>3278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>842587107</cusip>
    <value>1180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>33881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>71526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>21834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>193796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1114</Sole>
      <Shared>0</Shared>
      <None>1460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>30135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>2409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84265V105</cusip>
    <value>1141698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>11017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>373</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>95557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>96000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>207898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>54817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>151944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3509</Sole>
      <Shared>0</Shared>
      <None>2104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>18733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>1908246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>70431</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>471235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>17408</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>844741108</cusip>
    <value>1598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>845467109</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>845467109</cusip>
    <value>44505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>845467109</cusip>
    <value>77723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>845467109</cusip>
    <value>27413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>845467109</cusip>
    <value>4064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>630</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>845467109</cusip>
    <value>47298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>845467109</cusip>
    <value>17222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SP PLUS CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78469C103</cusip>
    <value>469228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SP PLUS CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78469C103</cusip>
    <value>469000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SP PLUS CORP                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78469C103</cusip>
    <value>2780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>77</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>6501380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19410</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>817278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2440</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>1309320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>1726159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8705</Sole>
      <Shared>0</Shared>
      <None>1363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>2573293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>2573000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>51435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>5654421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>3294241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19214</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>2499912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14023</Sole>
      <Shared>0</Shared>
      <None>558</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>38405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK    </titleOfClass>
    <cusip>78463X509</cusip>
    <value>4388703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>130733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK    </titleOfClass>
    <cusip>78463X509</cusip>
    <value>559209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>16658</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>154624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV      </titleOfClass>
    <cusip>78463X533</cusip>
    <value>103293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3469</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>3530302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>118562</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>135183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4540</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>6435636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>216135</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>6647396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>119300</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>335824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>409924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>6410797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>167787</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>5768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>91290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2390</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>450536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18946</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>463306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>19483</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>463000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>19483</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>2032215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>85459</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>11938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>502</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>2089073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>85837</Sole>
      <Shared>0</Shared>
      <None>2013</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P INTL SMLCP      </titleOfClass>
    <cusip>78463X871</cusip>
    <value>2273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>78</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>1032988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35449</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P INTL SMLCP      </titleOfClass>
    <cusip>78463X871</cusip>
    <value>3585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>2613519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>84280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>192076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>19720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78464A284</cusip>
    <value>5609610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>112080</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>50378091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>116994</Sole>
      <Shared>0</Shared>
      <None>855</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR                     </nameOfIssuer>
    <titleOfClass>TR UNIT             </titleOfClass>
    <cusip>78462F103</cusip>
    <value>126107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</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>147116387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>344148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>344050</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR                     </nameOfIssuer>
    <titleOfClass>TR UNIT             </titleOfClass>
    <cusip>78462F103</cusip>
    <value>9071043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>20690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR                     </nameOfIssuer>
    <titleOfClass>TR UNIT             </titleOfClass>
    <cusip>78462F103</cusip>
    <value>2071568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4846</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>86642929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>176293</Sole>
      <Shared>0</Shared>
      <None>26390</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR                     </nameOfIssuer>
    <titleOfClass>TR UNIT             </titleOfClass>
    <cusip>78462F103</cusip>
    <value>1315408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>7424966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16207</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>3535764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7718</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>247426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>314168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>688</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>7611276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW    </titleOfClass>
    <cusip>78464A201</cusip>
    <value>5160019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW    </titleOfClass>
    <cusip>78464A201</cusip>
    <value>289710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW    </titleOfClass>
    <cusip>78464A201</cusip>
    <value>22580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>ICE PFD SEC ETF     </titleOfClass>
    <cusip>78464A292</cusip>
    <value>250461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>ICE PFD SEC ETF     </titleOfClass>
    <cusip>78464A292</cusip>
    <value>9057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL    </titleOfClass>
    <cusip>78464A300</cusip>
    <value>1783339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24642</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL    </titleOfClass>
    <cusip>78464A300</cusip>
    <value>32422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL    </titleOfClass>
    <cusip>78464A300</cusip>
    <value>9083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF    </titleOfClass>
    <cusip>78464A359</cusip>
    <value>537247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7924</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF    </titleOfClass>
    <cusip>78464A359</cusip>
    <value>13899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF    </titleOfClass>
    <cusip>78464A359</cusip>
    <value>486872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>16201530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>515152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>11637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>221974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7058</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>455067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9788</Sole>
      <Shared>0</Shared>
      <None>4682</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>11385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>6683464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>112744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>1580000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>26650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>1579812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>26650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>722623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>8280916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>139692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>63964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
    <value>411155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
    <value>12578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
    <value>626510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>7199127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>184000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>183607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>2307878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>5910371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>143247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>119654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>34432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>835</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>DJ REIT ETF         </titleOfClass>
    <cusip>78464A607</cusip>
    <value>82940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>DJ REIT ETF         </titleOfClass>
    <cusip>78464A607</cusip>
    <value>1388913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG        </titleOfClass>
    <cusip>78464A698</cusip>
    <value>235750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG        </titleOfClass>
    <cusip>78464A698</cusip>
    <value>142018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG        </titleOfClass>
    <cusip>78464A698</cusip>
    <value>83540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>5499663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>47819</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>16561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>1495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>653717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>69006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>823472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4930</Sole>
      <Shared>0</Shared>
      <None>2230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500    </titleOfClass>
    <cusip>78464A805</cusip>
    <value>16219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500    </titleOfClass>
    <cusip>78464A805</cusip>
    <value>1854391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35328</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500    </titleOfClass>
    <cusip>78464A805</cusip>
    <value>64774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL    </titleOfClass>
    <cusip>78464A839</cusip>
    <value>209822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH         </titleOfClass>
    <cusip>78464A870</cusip>
    <value>14969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH         </titleOfClass>
    <cusip>78464A870</cusip>
    <value>379777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR    </titleOfClass>
    <cusip>78468R101</cusip>
    <value>717430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR    </titleOfClass>
    <cusip>78468R101</cusip>
    <value>4739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR    </titleOfClass>
    <cusip>78468R101</cusip>
    <value>4797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y    </titleOfClass>
    <cusip>78468R622</cusip>
    <value>518715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5738</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y    </titleOfClass>
    <cusip>78468R622</cusip>
    <value>29199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y    </titleOfClass>
    <cusip>78468R622</cusip>
    <value>19527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>192</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO    </titleOfClass>
    <cusip>78468R663</cusip>
    <value>262605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH    </titleOfClass>
    <cusip>78468R739</cusip>
    <value>50853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH    </titleOfClass>
    <cusip>78468R739</cusip>
    <value>400583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH    </titleOfClass>
    <cusip>78468R739</cusip>
    <value>4541936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH    </titleOfClass>
    <cusip>78468R739</cusip>
    <value>509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>23505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>31340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>12693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>151216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>452</Sole>
      <Shared>0</Shared>
      <None>1478</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>6439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRUM BRANDS HLDGS INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>84790A105</cusip>
    <value>2586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>1475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>32189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>62031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>18777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>7897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>14820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>276</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>67060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1973</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>84860W300</cusip>
    <value>418924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>95063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>142301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>137000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>292500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>75319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>5000</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>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>1170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>95794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>371</Sole>
      <Shared>0</Shared>
      <None>284</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>848637104</cusip>
    <value>22961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>26134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>143351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>139000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>281445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>78866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>5722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>933871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4731</Sole>
      <Shared>0</Shared>
      <None>1308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>19330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>333868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>476137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3014</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRINGWORKS THERAPEUTICS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85205L107</cusip>
    <value>1202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRINGWORKS THERAPEUTICS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85205L107</cusip>
    <value>235315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRINGWORKS THERAPEUTICS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85205L107</cusip>
    <value>235000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRINGWORKS THERAPEUTICS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85205L107</cusip>
    <value>2312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE            </nameOfIssuer>
    <titleOfClass>TR UNIT             </titleOfClass>
    <cusip>85208R101</cusip>
    <value>168004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE            </nameOfIssuer>
    <titleOfClass>TR UNIT             </titleOfClass>
    <cusip>85208R101</cusip>
    <value>58888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>2500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROUTS FMRS MKT INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85208M102</cusip>
    <value>143851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>413</Sole>
      <Shared>0</Shared>
      <None>2948</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROUTS FMRS MKT INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85208M102</cusip>
    <value>82433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROUTS FMRS MKT INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85208M102</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROUTS FMRS MKT INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85208M102</cusip>
    <value>189946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78463M107</cusip>
    <value>11431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78463M107</cusip>
    <value>50330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78463M107</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78463M107</cusip>
    <value>672203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3142</Sole>
      <Shared>0</Shared>
      <None>798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78463M107</cusip>
    <value>1194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78463M107</cusip>
    <value>215139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>188929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2264</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>16199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>21978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>13660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>70929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>71000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>147112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>45710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>146114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1858</Sole>
      <Shared>0</Shared>
      <None>923</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>3731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>3363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85254J102</cusip>
    <value>3934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85254J102</cusip>
    <value>74197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85254J102</cusip>
    <value>13804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85254J102</cusip>
    <value>294922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5341</Sole>
      <Shared>0</Shared>
      <None>3205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85254J102</cusip>
    <value>10871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85254J102</cusip>
    <value>143182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4149</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85254J102</cusip>
    <value>541496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15691</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>994351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11879</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>79150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>76000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>160474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>46972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>344433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3576</Sole>
      <Shared>0</Shared>
      <None>545</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>10500</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>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>1430890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15437</Sole>
      <Shared>0</Shared>
      <None>1683</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>854502101</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAR HLDGS                              </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>85512G106</cusip>
    <value>190291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAR HLDGS                              </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>85512G106</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAR HLDGS                              </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>85512G106</cusip>
    <value>17190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1373</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>3670423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40006</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>3450097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>37587</Sole>
      <Shared>0</Shared>
      <None>214</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>983000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>32310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>28933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>1911194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>353671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>114909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>1345000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14406</Sole>
      <Shared>335</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>158810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>9520009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>104299</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>2727148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>29723</Sole>
      <Shared>0</Shared>
      <None>157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>4148952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>45335</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>8333499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>85319</Sole>
      <Shared>0</Shared>
      <None>5987</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>551993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1190</Sole>
      <Shared>0</Shared>
      <None>4858</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>2292794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>24975</Sole>
      <Shared>0</Shared>
      <None>146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>11706564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>123384</Sole>
      <Shared>0</Shared>
      <None>4879</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>12778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>855244109</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85571B105</cusip>
    <value>7624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>394</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85571B105</cusip>
    <value>72911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3768</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85571B105</cusip>
    <value>23414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85571B105</cusip>
    <value>137095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6046</Sole>
      <Shared>0</Shared>
      <None>1039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85571B105</cusip>
    <value>6742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>348</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>85571B105</cusip>
    <value>77419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3666</Sole>
      <Shared>0</Shared>
      <None>335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>3903969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>58289</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>118452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1716</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>279223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>71312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>118000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>686943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8898</Sole>
      <Shared>0</Shared>
      <None>1361</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>109268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1627</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>117180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>857477103</cusip>
    <value>766357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10489</Sole>
      <Shared>0</Shared>
      <None>956</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>5468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>117942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>118000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>209079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>63260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>269444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1155</Sole>
      <Shared>0</Shared>
      <None>1358</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>68721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>639</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858119100</cusip>
    <value>287671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2361</Sole>
      <Shared>0</Shared>
      <None>322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEELCASE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>858155203</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEELCASE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>858155203</cusip>
    <value>1687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEELCASE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>858155203</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEELCASE INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>858155203</cusip>
    <value>248097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>134756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>538219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12038</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>55217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>9702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>627000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>120359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2692</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>5470760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>122221</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>9345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>1286530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>858912108</cusip>
    <value>2129850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>41134</Sole>
      <Shared>0</Shared>
      <None>6503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>342515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1535</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>370162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>132000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>16676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>285246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>74603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>343000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>104444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>2893930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12568</Sole>
      <Shared>0</Shared>
      <None>621</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>25673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>776089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>2435123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10820</Sole>
      <Shared>0</Shared>
      <None>278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STMICROELECTRONICS N V                  </nameOfIssuer>
    <titleOfClass>NY REGISTRY         </titleOfClass>
    <cusip>861012102</cusip>
    <value>10963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>237</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STMICROELECTRONICS N V                  </nameOfIssuer>
    <titleOfClass>NY REGISTRY         </titleOfClass>
    <cusip>861012102</cusip>
    <value>33794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STMICROELECTRONICS N V                  </nameOfIssuer>
    <titleOfClass>NY REGISTRY         </titleOfClass>
    <cusip>861012102</cusip>
    <value>34000</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>STMICROELECTRONICS N V                  </nameOfIssuer>
    <titleOfClass>NY REGISTRY         </titleOfClass>
    <cusip>861012102</cusip>
    <value>67589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>969</Sole>
      <Shared>0</Shared>
      <None>597</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STMICROELECTRONICS N V                  </nameOfIssuer>
    <titleOfClass>NY REGISTRY         </titleOfClass>
    <cusip>861012102</cusip>
    <value>180970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3329</Sole>
      <Shared>0</Shared>
      <None>864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STONERIDGE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86183P102</cusip>
    <value>711000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35446</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STONERIDGE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86183P102</cusip>
    <value>711401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35446</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STONERIDGE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86183P102</cusip>
    <value>843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STONERIDGE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86183P102</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRATEGIC ED INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86272C103</cusip>
    <value>484610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>6432</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRATEGIC ED INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86272C103</cusip>
    <value>6622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRATEGIC ED INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86272C103</cusip>
    <value>376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>1744556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6359</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>591630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2130</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>582000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>1243379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>332023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>71027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>4646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>5494913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17868</Sole>
      <Shared>0</Shared>
      <None>2240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>105892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>682355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>976</Sole>
      <Shared>0</Shared>
      <None>1521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>1842660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5907</Sole>
      <Shared>0</Shared>
      <None>836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>794396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>863667101</cusip>
    <value>3826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>86562M209</cusip>
    <value>14844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1292</Sole>
      <Shared>0</Shared>
      <None>215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>86562M209</cusip>
    <value>132551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5560</Sole>
      <Shared>0</Shared>
      <None>7897</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>86562M209</cusip>
    <value>133000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>86562M209</cusip>
    <value>538992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49260</Sole>
      <Shared>0</Shared>
      <None>5460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>86562M209</cusip>
    <value>4581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>465</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>86562M209</cusip>
    <value>348395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>29507</Sole>
      <Shared>0</Shared>
      <None>5863</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMMIT HOTEL PPTYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866082100</cusip>
    <value>80139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13574</Sole>
      <Shared>0</Shared>
      <None>243</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMMIT HOTEL PPTYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866082100</cusip>
    <value>6803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMMIT HOTEL PPTYS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866082100</cusip>
    <value>64890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>298335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2480</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>88755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>89000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>189344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>55620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>2624</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>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>144020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>914</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>31360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>231</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866674104</cusip>
    <value>1301977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN LIFE FINANCIAL INC.                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866796105</cusip>
    <value>333938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6843</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN LIFE FINANCIAL INC.                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866796105</cusip>
    <value>4490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN LIFE FINANCIAL INC.                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>866796105</cusip>
    <value>1212680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23369</Sole>
      <Shared>0</Shared>
      <None>1481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867224107</cusip>
    <value>25166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867224107</cusip>
    <value>86672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867224107</cusip>
    <value>87000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2521</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867224107</cusip>
    <value>168049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4888</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867224107</cusip>
    <value>1719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867224107</cusip>
    <value>556303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6545</Sole>
      <Shared>0</Shared>
      <None>9636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>3592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>16328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>30144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>9797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>16190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1111</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>13502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>5752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>134769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3230</Sole>
      <Shared>0</Shared>
      <None>7500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNRUN INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86771W105</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNSTONE HOTEL INVS INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867892101</cusip>
    <value>1019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNSTONE HOTEL INVS INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867892101</cusip>
    <value>5769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>317</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNSTONE HOTEL INVS INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867892101</cusip>
    <value>636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNSTONE HOTEL INVS INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>867892101</cusip>
    <value>169871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUPER MICRO COMPUTER INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>86800U104</cusip>
    <value>548440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>4310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>3852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>168135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>38365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>186508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4511</Sole>
      <Shared>0</Shared>
      <None>1590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>287160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>115983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2745</Sole>
      <Shared>0</Shared>
      <None>1049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87165B103</cusip>
    <value>2568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>15146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>422252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>422000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>894992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>240959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>367176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>833031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1014</Sole>
      <Shared>0</Shared>
      <None>801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>208372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>160181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871607107</cusip>
    <value>5967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>1384936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19754</Sole>
      <Shared>0</Shared>
      <None>1214</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>507396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7619</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>215000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>429325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>114267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>8917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>579000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>301254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>4757053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>67778</Sole>
      <Shared>0</Shared>
      <None>4244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>100727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>1325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>1861223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>15228356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>204749</Sole>
      <Shared>0</Shared>
      <None>25809</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>871829107</cusip>
    <value>529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>2179365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>25079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>1061918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>20248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>30328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>2169111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24653</Sole>
      <Shared>0</Shared>
      <None>308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>823164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9322</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>122529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>9603580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>110012</Sole>
      <Shared>0</Shared>
      <None>501</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874039100</cusip>
    <value>293809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKEDA PHARMACEUTICAL CO LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874060205</cusip>
    <value>473351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27528</Sole>
      <Shared>0</Shared>
      <None>3070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKEDA PHARMACEUTICAL CO LTD            </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>874060205</cusip>
    <value>215497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12314</Sole>
      <Shared>0</Shared>
      <None>1616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>3089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>135898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>136000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>283307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>80443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>3370</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>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>129299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>582</Sole>
      <Shared>0</Shared>
      <None>339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>874054109</cusip>
    <value>114558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>685</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>1267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>212103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>9862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>212000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>9862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>18693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>4258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>19295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>795</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>1205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANDEM DIABETES CARE INC                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>875372203</cusip>
    <value>2430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANGER FACTORY OUTLET CTRS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>875465106</cusip>
    <value>4407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANGER FACTORY OUTLET CTRS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>875465106</cusip>
    <value>4158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANGER FACTORY OUTLET CTRS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>875465106</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANGER FACTORY OUTLET CTRS I            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>875465106</cusip>
    <value>204553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>160828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>35363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>35000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>92863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>24725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>8999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>1021718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>34483</Sole>
      <Shared>0</Shared>
      <None>1055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>104656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>18688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>701040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11037</Sole>
      <Shared>0</Shared>
      <None>13347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>1208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>17144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>121722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>122000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>235730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>58718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>88000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>87520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1021</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>481575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4898</Sole>
      <Shared>0</Shared>
      <None>720</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>501013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>285105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3110</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>822055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9001</Sole>
      <Shared>0</Shared>
      <None>589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>4699225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42414</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>2429555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>21909</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>944000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>5639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>647940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>172710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>89860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>793000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>32729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>7202640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>65139</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>124834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>1129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>1915846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>17327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>12683042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>111618</Sole>
      <Shared>0</Shared>
      <None>3088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>291036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1030</Sole>
      <Shared>0</Shared>
      <None>1602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>3039127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>15825221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>137967</Sole>
      <Shared>0</Shared>
      <None>5157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>3981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TC ENERGY CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87807B107</cusip>
    <value>8603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TC ENERGY CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87807B107</cusip>
    <value>268776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TC ENERGY CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87807B107</cusip>
    <value>182304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD                     </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H84989104</cusip>
    <value>96848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD                     </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H84989104</cusip>
    <value>722156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5035</Sole>
      <Shared>0</Shared>
      <None>811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD                     </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H84989104</cusip>
    <value>15523</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>TE CONNECTIVITY LTD                     </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H84989104</cusip>
    <value>19024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD                     </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H84989104</cusip>
    <value>315619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2047</Sole>
      <Shared>0</Shared>
      <None>508</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87874R100</cusip>
    <value>4311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87874R100</cusip>
    <value>449662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87874R100</cusip>
    <value>450000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87874R100</cusip>
    <value>1639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEGNA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87901J105</cusip>
    <value>98843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEGNA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87901J105</cusip>
    <value>97430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6352</Sole>
      <Shared>0</Shared>
      <None>335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEGNA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87901J105</cusip>
    <value>8588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEGNA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87901J105</cusip>
    <value>2054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEGNA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87901J105</cusip>
    <value>15983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>2919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>16396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>770</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>38797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2087</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>9834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>43631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1848</Sole>
      <Shared>0</Shared>
      <None>499</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>53540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2880</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>14091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>654</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87918A105</cusip>
    <value>856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>38815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>91</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>142594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>105000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>242288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>62104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>219000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>181001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>2147905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5104</Sole>
      <Shared>0</Shared>
      <None>153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>18795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>587538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1438</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879360105</cusip>
    <value>1371194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3092</Sole>
      <Shared>0</Shared>
      <None>264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>3339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>51067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>51000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>119810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>32408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>964373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3837</Sole>
      <Shared>0</Shared>
      <None>1073</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>23570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>263189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>598</Sole>
      <Shared>0</Shared>
      <None>742</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFLEX INCORPORATED                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>879369106</cusip>
    <value>590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA BRASIL SA                    </nameOfIssuer>
    <titleOfClass>NEW ADR             </titleOfClass>
    <cusip>87936R205</cusip>
    <value>209082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA BRASIL SA                    </nameOfIssuer>
    <titleOfClass>NEW ADR             </titleOfClass>
    <cusip>87936R205</cusip>
    <value>119803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA S A                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>879382208</cusip>
    <value>1571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA S A                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>879382208</cusip>
    <value>14449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA S A                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>879382208</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA S A                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>879382208</cusip>
    <value>44200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7900</Sole>
      <Shared>0</Shared>
      <None>2960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA S A                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>879382208</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELEFONICA S A                          </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>879382208</cusip>
    <value>9353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>2023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELUS CORPORATION                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87971M103</cusip>
    <value>249316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELUS CORPORATION                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87971M103</cusip>
    <value>173433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9540</Sole>
      <Shared>0</Shared>
      <None>1074</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>1474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>50274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>91014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>19720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>184412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4139</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>91250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>69127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>1581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPUR SEALY INTL INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88023U101</cusip>
    <value>6588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>2372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>46123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>82363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>24379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>64836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>849</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>2767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENNANT CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880345103</cusip>
    <value>4671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENNANT CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880345103</cusip>
    <value>406490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENNANT CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880345103</cusip>
    <value>406000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENNANT CO                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880345103</cusip>
    <value>3633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>31514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>61677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>18008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>2612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>113676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>2428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>1666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>1261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>1608867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>96442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>96000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>205943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>53244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>73714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>734</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>111109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>808</Sole>
      <Shared>0</Shared>
      <None>298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>5726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>2110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
    <value>5820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
    <value>8182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
    <value>158916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2443</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
    <value>9738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
    <value>83434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERRENO RLTY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88146M101</cusip>
    <value>76000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERRENO RLTY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88146M101</cusip>
    <value>76339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERRENO RLTY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88146M101</cusip>
    <value>182839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3117</Sole>
      <Shared>0</Shared>
      <None>102</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERRENO RLTY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88146M101</cusip>
    <value>243331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4270</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERRENO RLTY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88146M101</cusip>
    <value>339210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERRENO RLTY CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88146M101</cusip>
    <value>366076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>4611805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18126</Sole>
      <Shared>0</Shared>
      <None>305</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>10694153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>42204</Sole>
      <Shared>0</Shared>
      <None>535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>7942000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>31740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>14763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>8787726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>35120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>2374588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>9490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>4435000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>17725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>52796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>12625100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>47566</Sole>
      <Shared>0</Shared>
      <None>2890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>466911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>806</Sole>
      <Shared>0</Shared>
      <None>1060</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>4362335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>12379</Sole>
      <Shared>0</Shared>
      <None>5055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>13718312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45531</Sole>
      <Shared>0</Shared>
      <None>9294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>3669101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1864</Sole>
      <Shared>0</Shared>
      <None>12800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>1578138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6217</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>6362594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>19104</Sole>
      <Shared>0</Shared>
      <None>6324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>545480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88160R101</cusip>
    <value>146129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>584</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>4409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>45609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>46000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>106421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>30406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>8210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TETRA TECH INC NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88162G103</cusip>
    <value>397102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>2500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAP BANCSHARES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88224Q107</cusip>
    <value>5831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAP BANCSHARES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88224Q107</cusip>
    <value>6302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAP BANCSHARES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88224Q107</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAP BANCSHARES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88224Q107</cusip>
    <value>124632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2010</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAP BANCSHARES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88224Q107</cusip>
    <value>84816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAP BANCSHARES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88224Q107</cusip>
    <value>7952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAP BANCSHARES INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88224Q107</cusip>
    <value>72035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>9502279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>59212</Sole>
      <Shared>0</Shared>
      <None>547</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>1019254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6322</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>890000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>1836566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>501995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>129000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>4964610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29407</Sole>
      <Shared>0</Shared>
      <None>1815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>1229089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3549</Sole>
      <Shared>0</Shared>
      <None>4181</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>9859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>4595707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15958</Sole>
      <Shared>0</Shared>
      <None>12944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>1031339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882508104</cusip>
    <value>2068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88262P102</cusip>
    <value>182356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88262P102</cusip>
    <value>182000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88262P102</cusip>
    <value>182356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88262P102</cusip>
    <value>27353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88262P102</cusip>
    <value>40118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88262P102</cusip>
    <value>41942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88262P102</cusip>
    <value>151355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS ROADHOUSE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882681109</cusip>
    <value>295411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3074</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS ROADHOUSE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882681109</cusip>
    <value>48050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS ROADHOUSE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882681109</cusip>
    <value>97061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS ROADHOUSE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882681109</cusip>
    <value>48050</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>TEXAS ROADHOUSE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>882681109</cusip>
    <value>288</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>TEXTAINER GROUP HOLDINGS LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8766E109</cusip>
    <value>5364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTAINER GROUP HOLDINGS LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8766E109</cusip>
    <value>11101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTAINER GROUP HOLDINGS LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8766E109</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTAINER GROUP HOLDINGS LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8766E109</cusip>
    <value>183903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTAINER GROUP HOLDINGS LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8766E109</cusip>
    <value>11920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTAINER GROUP HOLDINGS LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8766E109</cusip>
    <value>112979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>38054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>108068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>102000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>203398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2603</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>59386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>83</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>151279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1305</Sole>
      <Shared>0</Shared>
      <None>631</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>11177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>7345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883203101</cusip>
    <value>706933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8750</Sole>
      <Shared>0</Shared>
      <None>297</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE BEAUTY HEALTH COMPANY               </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88331L108</cusip>
    <value>378375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE BEAUTY HEALTH COMPANY               </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88331L108</cusip>
    <value>378000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>2928785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9878</Sole>
      <Shared>0</Shared>
      <None>360</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>528657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1812</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>518000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>21455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>1056170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3692</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>283495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>5435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>2764867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8557</Sole>
      <Shared>0</Shared>
      <None>1108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>372351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>1263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>373607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1279</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>6492645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21436</Sole>
      <Shared>0</Shared>
      <None>1260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>125523100</cusip>
    <value>4578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>273759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3460</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>224212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>219000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>437640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>112536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>71039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>909</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>378793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3824</Sole>
      <Shared>0</Shared>
      <None>1023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>6565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>295094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3742</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE TRADE DESK INC                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>88339J105</cusip>
    <value>2970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>16449513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31916</Sole>
      <Shared>0</Shared>
      <None>582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>1417782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2749</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>1260000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>14679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>2490356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>673206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>112876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>161000</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>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>3543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>7101059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12053</Sole>
      <Shared>0</Shared>
      <None>1976</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>2344181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2278</Sole>
      <Shared>0</Shared>
      <None>2351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>21172079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>414</Sole>
      <Shared>0</Shared>
      <None>41414</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>9370219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12655</Sole>
      <Shared>0</Shared>
      <None>5857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>92123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>883556102</cusip>
    <value>25815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOMSON REUTERS CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>884903808</cusip>
    <value>18470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOMSON REUTERS CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>884903808</cusip>
    <value>174673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOMSON REUTERS CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>884903808</cusip>
    <value>11743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOMSON REUTERS CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>884903808</cusip>
    <value>175000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOMSON REUTERS CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>884903808</cusip>
    <value>1625021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOMSON REUTERS CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>884903808</cusip>
    <value>342129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOMSON REUTERS CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>884903808</cusip>
    <value>1373409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10938</Sole>
      <Shared>0</Shared>
      <None>290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>1617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>32344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>66591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>19502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>30156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>163</Sole>
      <Shared>0</Shared>
      <None>154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>131367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THOR INDS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>885160101</cusip>
    <value>952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>3234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>27191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>58792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>19107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>79000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1078</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>79222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1078</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>932030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12682</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>235095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3146</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>245604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3342</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMKEN CO                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>887389104</cusip>
    <value>357896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>7320157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>71808</Sole>
      <Shared>0</Shared>
      <None>10552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>2299592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>25108</Sole>
      <Shared>0</Shared>
      <None>765</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>924000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>10577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>1300314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>361297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>1271000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>102301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>6378118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>64476</Sole>
      <Shared>0</Shared>
      <None>7285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>4257708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>45241</Sole>
      <Shared>0</Shared>
      <None>2663</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>4611094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>38941</Sole>
      <Shared>0</Shared>
      <None>12939</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>14268351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>154901</Sole>
      <Shared>0</Shared>
      <None>5634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>752990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1794</Sole>
      <Shared>0</Shared>
      <None>6678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>2790743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27339</Sole>
      <Shared>0</Shared>
      <None>4060</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>12535191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>128524</Sole>
      <Shared>0</Shared>
      <None>12511</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>629626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872540109</cusip>
    <value>16977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>2606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>21015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>9247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>167550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1993</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>28917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>328</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>3867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TKO GROUP HOLDINGS INC                  </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>87256C101</cusip>
    <value>4876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>51819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>311</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>520706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3686</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>516000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>940996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>259793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>6582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>1689283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9237</Sole>
      <Shared>0</Shared>
      <None>2825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>662717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3702</Sole>
      <Shared>0</Shared>
      <None>1030</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>421971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>1250506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7560</Sole>
      <Shared>0</Shared>
      <None>1369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>28570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>872590104</cusip>
    <value>5042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>4439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>86158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>29593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>39633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>28207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>1120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>4739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC                               </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>888787108</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>1109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>48814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>49000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>107242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>30324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>220992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2794</Sole>
      <Shared>0</Shared>
      <None>194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>204874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOLL BROTHERS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>889478103</cusip>
    <value>376826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>5000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>1258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>50320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>100640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>30192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>70700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>2516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>7548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>974264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>53184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>114678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>29085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>32908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>205922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1905</Sole>
      <Shared>0</Shared>
      <None>573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>60016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>663</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>241904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2530</Sole>
      <Shared>0</Shared>
      <None>381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>2265595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37230</Sole>
      <Shared>0</Shared>
      <None>367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>2385332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>39472</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>144000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>26996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>33806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>602600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>13257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1278000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>20666</Sole>
      <Shared>535</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>99489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1651</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>6385391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>105961</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>248633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>3878</Sole>
      <Shared>0</Shared>
      <None>248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>2113378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>34937</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>3712257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>61601</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>262674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1875</Sole>
      <Shared>0</Shared>
      <None>2484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>994531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>4225431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>68658</Sole>
      <Shared>0</Shared>
      <None>1462</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>376081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4519</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>400939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3106</Sole>
      <Shared>0</Shared>
      <None>2991</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>28474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>337000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>1129362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>16524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>403306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>1627363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>414</Sole>
      <Shared>0</Shared>
      <None>24333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>2961830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>41786</Sole>
      <Shared>0</Shared>
      <None>3254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>35708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>5783592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>85687</Sole>
      <Shared>0</Shared>
      <None>2263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>584015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>118276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>126904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>24626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>127000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>706</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>1609841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8872</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>31277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>271782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>991</Sole>
      <Shared>0</Shared>
      <None>521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>3035394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14445</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>2029891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9791</Sole>
      <Shared>0</Shared>
      <None>206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>1838000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>3046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>274118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>77159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>1841000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>520214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>2362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>174623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>850576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>4131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>1262971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5917</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>208966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>521</Sole>
      <Shared>0</Shared>
      <None>508</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>409552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>1989</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>1170583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5184</Sole>
      <Shared>0</Shared>
      <None>581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>892356106</cusip>
    <value>53403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRADEWEB MKTS INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>892672106</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRADEWEB MKTS INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>892672106</cusip>
    <value>124310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRADEWEB MKTS INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>892672106</cusip>
    <value>34085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRADEWEB MKTS INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>892672106</cusip>
    <value>52290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRADEWEB MKTS INC                       </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>892672106</cusip>
    <value>802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>2472255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12181</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>824626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>550000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>9740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>578294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>158270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>94353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>5065242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>24960</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>3706760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>18268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>3178585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>15639</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>2461907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11115</Sole>
      <Shared>0</Shared>
      <None>1018</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>528987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2222</Sole>
      <Shared>0</Shared>
      <None>385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>336425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1839176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8266</Sole>
      <Shared>0</Shared>
      <None>798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>64921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>278233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>278000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>581760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>151763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>4133866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3800</Sole>
      <Shared>0</Shared>
      <None>1103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>27005</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>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>90215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>893641100</cusip>
    <value>1024403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1117</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSMEDICS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89377M109</cusip>
    <value>548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSMEDICS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89377M109</cusip>
    <value>233947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSMEDICS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89377M109</cusip>
    <value>234000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSMEDICS GROUP INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89377M109</cusip>
    <value>3668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>5671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>107972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>83000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>186654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>56355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>140000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>114864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>701747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9164</Sole>
      <Shared>0</Shared>
      <None>611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>9639</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>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>6102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>742883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10151</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>430525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSUNION                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89400J107</cusip>
    <value>1365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>3966310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24162</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>470333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>134241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>541256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>148</Sole>
      <Shared>0</Shared>
      <None>3166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>1396137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7737</Sole>
      <Shared>0</Shared>
      <None>812</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>849865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5198</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>11855326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69689</Sole>
      <Shared>0</Shared>
      <None>2905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>71203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89417E109</cusip>
    <value>7513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREDEGAR CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>894650100</cusip>
    <value>77174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>44620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>92075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>26809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>22618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>7396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>3636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89531P105</cusip>
    <value>925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>3932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>78636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>79000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>157810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>46320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>71904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>189102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1422</Sole>
      <Shared>0</Shared>
      <None>2089</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>31777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>464</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>896239100</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>421025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>486570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>17007</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>122165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>1141482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35450</Sole>
      <Shared>0</Shared>
      <None>4448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>138852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>51784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1770</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>892689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26639</Sole>
      <Shared>0</Shared>
      <None>4563</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89832Q109</cusip>
    <value>2146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TURNING PT BRANDS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90041L105</cusip>
    <value>953248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>39984</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TURNING PT BRANDS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90041L105</cusip>
    <value>923000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39984</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TURNING PT BRANDS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90041L105</cusip>
    <value>30000</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>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>7960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>57828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>56000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>122913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>35996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>153173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1727</Sole>
      <Shared>0</Shared>
      <None>890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>29500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>1112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>20954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>269</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWILIO INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90138F102</cusip>
    <value>703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>141713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>358</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>116614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>77000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>193070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>55990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>219000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>179555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>1104747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2648</Sole>
      <Shared>0</Shared>
      <None>213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>1545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>651804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1642</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYLER TECHNOLOGIES INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902252105</cusip>
    <value>37069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>171464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3378</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>88358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>88000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>176715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>52510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>261488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4111</Sole>
      <Shared>0</Shared>
      <None>1068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>114810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>57155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>301526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>902494103</cusip>
    <value>2222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U HAUL HOLDING COMPANY                  </nameOfIssuer>
    <titleOfClass>COM SER N           </titleOfClass>
    <cusip>023586506</cusip>
    <value>4348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U HAUL HOLDING COMPANY                  </nameOfIssuer>
    <titleOfClass>COM SER N           </titleOfClass>
    <cusip>023586506</cusip>
    <value>891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U HAUL HOLDING COMPANY                  </nameOfIssuer>
    <titleOfClass>COM SER N           </titleOfClass>
    <cusip>023586506</cusip>
    <value>1048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U HAUL HOLDING COMPANY                  </nameOfIssuer>
    <titleOfClass>COM SER N           </titleOfClass>
    <cusip>023586506</cusip>
    <value>7284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U HAUL HOLDING COMPANY                  </nameOfIssuer>
    <titleOfClass>COM SER N           </titleOfClass>
    <cusip>023586506</cusip>
    <value>74446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>1242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U HAUL HOLDING COMPANY                  </nameOfIssuer>
    <titleOfClass>COM SER N           </titleOfClass>
    <cusip>023586506</cusip>
    <value>4820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U HAUL HOLDING COMPANY                  </nameOfIssuer>
    <titleOfClass>COM SER N           </titleOfClass>
    <cusip>023586506</cusip>
    <value>246914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U S PHYSICAL THERAPY                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90337L108</cusip>
    <value>2385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U S PHYSICAL THERAPY                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90337L108</cusip>
    <value>41554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U S PHYSICAL THERAPY                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90337L108</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U S PHYSICAL THERAPY                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90337L108</cusip>
    <value>527814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4689</Sole>
      <Shared>0</Shared>
      <None>1065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U S PHYSICAL THERAPY                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90337L108</cusip>
    <value>176397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>127162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2595</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>600721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12872</Sole>
      <Shared>0</Shared>
      <None>190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>561000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>1145151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>24900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>310203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>276952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>6899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>856426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12424</Sole>
      <Shared>0</Shared>
      <None>6198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>55694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>100350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1939</Sole>
      <Shared>0</Shared>
      <None>243</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>730459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90353T100</cusip>
    <value>7129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>9490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>271</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>64139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>64000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>233362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6681</Sole>
      <Shared>0</Shared>
      <None>2786</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>185762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5159</Sole>
      <Shared>0</Shared>
      <None>2377</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>1926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>71340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>71000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>152668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>38167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>6314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>95168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>1778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>87891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>2247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>976003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>27362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UDR INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902653104</cusip>
    <value>928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>142508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6161</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>977638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>41306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>975000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>41195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>60950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>21160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>78682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>319</Sole>
      <Shared>0</Shared>
      <None>3065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>204286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7293</Sole>
      <Shared>0</Shared>
      <None>1589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>1272406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>55138</Sole>
      <Shared>0</Shared>
      <None>184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UGI CORP NEW                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>902681105</cusip>
    <value>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>1899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>40106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>80417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>22329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>66147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2394</Sole>
      <Shared>0</Shared>
      <None>1472</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>6485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>90364P105</cusip>
    <value>5424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>241</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>53926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>139808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>140000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>259643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>67907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>10386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>1254672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2820</Sole>
      <Shared>0</Shared>
      <None>321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>105455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>329946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>776</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>458169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>997</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90384S303</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC                        </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>904311206</cusip>
    <value>18808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC                        </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>904311206</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC                        </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>904311206</cusip>
    <value>13717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC                        </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>904311206</cusip>
    <value>9513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC                        </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>904311206</cusip>
    <value>7114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>880</Sole>
      <Shared>0</Shared>
      <None>235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC                        </nameOfIssuer>
    <titleOfClass>CL C                </titleOfClass>
    <cusip>904311206</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>2714431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51634</Sole>
      <Shared>0</Shared>
      <None>3314</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>3070506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>59668</Sole>
      <Shared>0</Shared>
      <None>2488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>174000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>32357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>38236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>716300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>30332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>1745000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>34543</Sole>
      <Shared>775</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>119499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>7649788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>154849</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>298425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>5677</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>2506111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>50537</Sole>
      <Shared>0</Shared>
      <None>194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>5919404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>117863</Sole>
      <Shared>0</Shared>
      <None>1963</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>192973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3104</Sole>
      <Shared>0</Shared>
      <None>802</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>1106066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>22390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC                            </nameOfIssuer>
    <titleOfClass>SPON ADR NEW        </titleOfClass>
    <cusip>904767704</cusip>
    <value>6197625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>120258</Sole>
      <Shared>0</Shared>
      <None>5200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>11646414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56116</Sole>
      <Shared>0</Shared>
      <None>1078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>2975442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>14529</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>1535000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>10385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>4480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>1582205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>425587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>194874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>957</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>634000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>125843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>618</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>11069327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>54354</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>4044092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>19860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>4908501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>24077</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>12969398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>61022</Sole>
      <Shared>0</Shared>
      <None>2669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>812324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1965</Sole>
      <Shared>0</Shared>
      <None>2024</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>11747415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>17929</Sole>
      <Shared>0</Shared>
      <None>39761</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>31096337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>144388</Sole>
      <Shared>0</Shared>
      <None>8322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>907818108</cusip>
    <value>5906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>3892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>91791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>92000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>181171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>51775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>141324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2631</Sole>
      <Shared>0</Shared>
      <None>710</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>7572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>910047109</cusip>
    <value>41369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>559</Sole>
      <Shared>0</Shared>
      <None>419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED BANKSHARES INC WEST V            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>909907107</cusip>
    <value>82135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED BANKSHARES INC WEST V            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>909907107</cusip>
    <value>48283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED BANKSHARES INC WEST V            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>909907107</cusip>
    <value>43978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED BANKSHARES INC WEST V            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>909907107</cusip>
    <value>42930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1377</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90984P303</cusip>
    <value>1652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90984P303</cusip>
    <value>1102000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>90984P303</cusip>
    <value>1102032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>5858842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37354</Sole>
      <Shared>0</Shared>
      <None>234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>5316414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>33629</Sole>
      <Shared>0</Shared>
      <None>479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>1533000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>29148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>50502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>2077747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>381102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>14496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>1947000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12269</Sole>
      <Shared>220</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>141530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>15056107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>92510</Sole>
      <Shared>0</Shared>
      <None>4084</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>631429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2454</Sole>
      <Shared>0</Shared>
      <None>1597</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>5389049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>27314</Sole>
      <Shared>0</Shared>
      <None>7260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>10139499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>63385</Sole>
      <Shared>0</Shared>
      <None>1666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>749090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>4006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>1749329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9320</Sole>
      <Shared>0</Shared>
      <None>1903</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>19408621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>115700</Sole>
      <Shared>0</Shared>
      <None>8818</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>423343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>9197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC               </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>911312106</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>5779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>172493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>164000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>386776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>100028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>64555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>516590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>728</Sole>
      <Shared>0</Shared>
      <None>434</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>911363109</cusip>
    <value>930485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1901</Sole>
      <Shared>0</Shared>
      <None>192</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>3963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>51968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>92568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>23873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>19751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>87664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1844</Sole>
      <Shared>0</Shared>
      <None>855</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES STL CORP NEW              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912909108</cusip>
    <value>1624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>4292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>60985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>61000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>133263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>39301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>172339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>763</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>109773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>8357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91307C102</cusip>
    <value>263590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>22123353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42431</Sole>
      <Shared>0</Shared>
      <None>1448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>7284537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>14231</Sole>
      <Shared>0</Shared>
      <None>217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>5801000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>16638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>14622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>5959526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>1604333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>450242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>3432000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>162349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>9661289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17472</Sole>
      <Shared>0</Shared>
      <None>1690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>6691610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>12656</Sole>
      <Shared>0</Shared>
      <None>616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>6984544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>10875</Sole>
      <Shared>0</Shared>
      <None>2978</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>18061598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32347</Sole>
      <Shared>0</Shared>
      <None>3476</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>2629448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1834</Sole>
      <Shared>0</Shared>
      <None>3381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>3370006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5589</Sole>
      <Shared>0</Shared>
      <None>1095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>12045099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20812</Sole>
      <Shared>0</Shared>
      <None>3078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>2246166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91324P102</cusip>
    <value>108401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITI GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91325V108</cusip>
    <value>3361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITI GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91325V108</cusip>
    <value>8557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITI GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91325V108</cusip>
    <value>2445</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>UNITI GROUP INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91325V108</cusip>
    <value>113658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>24080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>9919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>268</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>46928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1432</Sole>
      <Shared>0</Shared>
      <None>63</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>41000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>113318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>26054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>36758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>78663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1298</Sole>
      <Shared>0</Shared>
      <None>1208</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>21126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>673</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>68807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2066</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91332U101</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>47097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>47000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>78495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>25118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>8478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>97805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>4867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91347P105</cusip>
    <value>10833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>1760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>52807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>53000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>104356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>30804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>32313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>193</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>37971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HLTH SVCS INC                 </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
    <cusip>913903100</cusip>
    <value>32187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>7182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>11609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>130845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>38368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>12000</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>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>397504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7114</Sole>
      <Shared>0</Shared>
      <None>967</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>300354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>113039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>846</Sole>
      <Shared>0</Shared>
      <None>1452</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91529Y106</cusip>
    <value>6494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>URBAN EDGE PPTYS                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91704F104</cusip>
    <value>6486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>URBAN EDGE PPTYS                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91704F104</cusip>
    <value>992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>URBAN EDGE PPTYS                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91704F104</cusip>
    <value>3586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>URBAN EDGE PPTYS                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91704F104</cusip>
    <value>154080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>2724276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78901</Sole>
      <Shared>0</Shared>
      <None>3503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>2510081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>75742</Sole>
      <Shared>0</Shared>
      <None>183</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>235000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>28465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>861</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>29324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>1202392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>36370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>173400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>10811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>1271000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>37560</Sole>
      <Shared>900</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>129860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>3928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>7880248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>238354</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>1751882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>52580</Sole>
      <Shared>0</Shared>
      <None>411</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>3208737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>96774</Sole>
      <Shared>0</Shared>
      <None>284</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>9205623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>273699</Sole>
      <Shared>0</Shared>
      <None>4753</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>173442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2716</Sole>
      <Shared>0</Shared>
      <None>2457</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>1286662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>38887</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>9057977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>269491</Sole>
      <Shared>0</Shared>
      <None>4495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>107247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>4893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>6750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>8460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>902973304</cusip>
    <value>5640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>4764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>51610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>117115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>29378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>105880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2012</Sole>
      <Shared>0</Shared>
      <None>655</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>32951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>830</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>912008109</cusip>
    <value>8297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTZ BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>918090101</cusip>
    <value>2431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTZ BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>918090101</cusip>
    <value>5184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTZ BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>918090101</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTZ BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>918090101</cusip>
    <value>87631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6272</Sole>
      <Shared>0</Shared>
      <None>253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTZ BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>918090101</cusip>
    <value>5426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTZ BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>918090101</cusip>
    <value>52860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>161380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>32866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>33000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>75981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>23059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>31965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>313377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14698</Sole>
      <Shared>0</Shared>
      <None>3037</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>13536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>766</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>413602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22179</Sole>
      <Shared>0</Shared>
      <None>1228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>918204108</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>139125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>627</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>44378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>117158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>34393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>5992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>77662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>56804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAIL RESORTS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91879Q109</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>276301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3671</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>7873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>189250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2382</Sole>
      <Shared>0</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>8698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>118618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>3432216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23996</Sole>
      <Shared>0</Shared>
      <None>224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>4365518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>30716</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>924000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>50590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>40529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1448276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>168635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>114930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1730000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11895</Sole>
      <Shared>310</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>269249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>15741147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>111072</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>5520030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>38808</Sole>
      <Shared>0</Shared>
      <None>145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>7329099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>51589</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>15064198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>104236</Sole>
      <Shared>0</Shared>
      <None>2067</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>225453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1099</Sole>
      <Shared>0</Shared>
      <None>492</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1466557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>10331</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>6785925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>46225</Sole>
      <Shared>0</Shared>
      <None>1661</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>26010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>35700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>1681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>31227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>62455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>24021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>100888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>320</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>14733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>3363</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>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>27082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>581900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>998</Sole>
      <Shared>0</Shared>
      <None>17051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>582000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>998</Sole>
      <Shared>0</Shared>
      <None>17051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>72540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>18248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>566</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>49263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>12154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>4449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF     </titleOfClass>
    <cusip>92189F106</cusip>
    <value>484380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>18000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF     </titleOfClass>
    <cusip>92189F106</cusip>
    <value>228735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>2500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF    </titleOfClass>
    <cusip>92189F676</cusip>
    <value>124683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF    </titleOfClass>
    <cusip>92189F676</cusip>
    <value>86698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>LONG TERM BOND      </titleOfClass>
    <cusip>921937793</cusip>
    <value>860715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>926653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>136377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>799026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>144620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>1598051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>22100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>2118032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>29291</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>346609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4611</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>3651759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>48580</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>3801000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>50565</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>276626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3680</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>4265747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>56433</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>SHORT TRM BOND      </titleOfClass>
    <cusip>921937827</cusip>
    <value>14132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>SHORT TRM BOND      </titleOfClass>
    <cusip>921937827</cusip>
    <value>204011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2714</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>4443224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>59109</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>71625821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1026452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1017390</Sole>
      <Shared>0</Shared>
      <None>9062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>5673812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>81310</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>699893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>10030</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>633602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>9080</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>5844000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>83754</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>2418017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>34652</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>75649475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1084114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1077961</Sole>
      <Shared>0</Shared>
      <None>6153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>1374193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17572</Sole>
      <Shared>0</Shared>
      <None>2121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>40821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>585</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>6306158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>90372</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>15751160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>225726</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>396002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5675</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>VANGUARD ULTRA      </titleOfClass>
    <cusip>92203C303</cusip>
    <value>587575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11945</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>8228243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20953</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>864725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2202</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>1477000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3761</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>2570222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6545</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>150009044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>381994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>381905</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>745330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1896</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>3426308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8725</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>34778690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP      </titleOfClass>
    <cusip>922908538</cusip>
    <value>45771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP      </titleOfClass>
    <cusip>922908538</cusip>
    <value>207041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>8315261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>109588</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>3632588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>48012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>98055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>1296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>11803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>4533000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>49918</Sole>
      <Shared>0</Shared>
      <None>9990</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>176363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>14011702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>185193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>71033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>537</Sole>
      <Shared>0</Shared>
      <None>394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>743360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7974</Sole>
      <Shared>0</Shared>
      <None>1851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>6705368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>87545</Sole>
      <Shared>0</Shared>
      <None>1080</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF      </titleOfClass>
    <cusip>922908595</cusip>
    <value>1203263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5618</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>396876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1853</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>150997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>705</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>414196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2597</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>893144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5600</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>893000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5600</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>1997453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12524</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>3345713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20978</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SM CP VAL ETF       </titleOfClass>
    <cusip>922908611</cusip>
    <value>24242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>152</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>732857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4595</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>29347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>3243338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>365878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>571000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>570994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>1980571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>171020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>765</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>145768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>1843965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>90017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>716617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>757612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3871</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>28962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>502140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>7531005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>45476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>160935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>1801603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>557099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4039</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>98620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>715</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>125000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>715</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>25931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>15229127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>110412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>127724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>378342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2743</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>9946408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>72112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>4383588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>1093392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5615</Sole>
      <Shared>0</Shared>
      <None>168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>3401169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>17989</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>1062000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>38904556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>205768</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>784074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1234</Sole>
      <Shared>0</Shared>
      <None>2913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>20798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>13428697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>67025</Sole>
      <Shared>0</Shared>
      <None>4000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>1916363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>1037000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>1037623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>6744655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>31753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>121326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>529</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>5967234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23358</Sole>
      <Shared>0</Shared>
      <None>4735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>GLB EX US ETF       </titleOfClass>
    <cusip>922042676</cusip>
    <value>54502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1400</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>1605045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>41229</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>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>825</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>18713651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>480700</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>2355000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>42926</Sole>
      <Shared>0</Shared>
      <None>17580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>GLB EX US ETF       </titleOfClass>
    <cusip>922042676</cusip>
    <value>98181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2522</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>1354063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>34782</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>520299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13365</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>844715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7954</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>21134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>199</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>90483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>852</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF      </titleOfClass>
    <cusip>922042742</cusip>
    <value>188876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2027</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>10640411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>114192</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>770581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11802</Sole>
      <Shared>0</Shared>
      <None>3054</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US       </titleOfClass>
    <cusip>922042775</cusip>
    <value>150372</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>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US       </titleOfClass>
    <cusip>922042775</cusip>
    <value>9615349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>175874</Sole>
      <Shared>0</Shared>
      <None>9500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF    </titleOfClass>
    <cusip>922042858</cusip>
    <value>17649440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>450126</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>1000</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 INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF    </titleOfClass>
    <cusip>922042858</cusip>
    <value>11214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>286</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>33305993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>849426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>839814</Sole>
      <Shared>0</Shared>
      <None>9612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF    </titleOfClass>
    <cusip>922042858</cusip>
    <value>318307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3787</Sole>
      <Shared>0</Shared>
      <None>4331</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF    </titleOfClass>
    <cusip>922042858</cusip>
    <value>13635905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>347766</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>67442847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1720042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1676253</Sole>
      <Shared>1310</Shared>
      <None>42479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>13254965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>275571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>26359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>6762908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>140601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>61328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>5623419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>102953</Sole>
      <Shared>0</Shared>
      <None>13958</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>1452154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>79364333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1377853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1377853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>77409000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1343911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1343911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>8179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>2393000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>41541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>37550189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>651913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>651913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>388166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>6739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>11255098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>195401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>2083277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>36168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>57600</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>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>350496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>245952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4270</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>93938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1250</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>1931280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25699</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>11273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD    </titleOfClass>
    <cusip>92206C409</cusip>
    <value>45090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX      </titleOfClass>
    <cusip>92206C664</cusip>
    <value>17860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX      </titleOfClass>
    <cusip>92206C664</cusip>
    <value>742976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX      </titleOfClass>
    <cusip>92206C664</cusip>
    <value>132164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>1016129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>181000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>181366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>669206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>27580597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>402989</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>470441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6874</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>12538481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>219396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>308439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>634000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7214</Sole>
      <Shared>0</Shared>
      <None>3880</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>9887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>83725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>1594174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>23915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>364564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>5469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>3213000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>48206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>1619238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>24291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>76792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>75326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>175116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2627</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>382762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>291990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>1261591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>2482694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>12754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>88983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1595</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>7733043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>139309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>7543000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>135877</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>249000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>3679425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>66284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>37525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>1096211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>47850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>6717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INT-TERM CORP       </titleOfClass>
    <cusip>92206C870</cusip>
    <value>140563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INT-TERM CORP       </titleOfClass>
    <cusip>92206C870</cusip>
    <value>158570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2087</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INT-TERM CORP       </titleOfClass>
    <cusip>92206C870</cusip>
    <value>11473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>736501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>9167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>278596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1424</Sole>
      <Shared>0</Shared>
      <None>369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>11826438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>76113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>69921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>162372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>14534867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>93544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>8045005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>184012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>528312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11303</Sole>
      <Shared>0</Shared>
      <None>781</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>37949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>868</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>494000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>21598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>77395505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1769105</Sole>
      <Shared>0</Shared>
      <None>1149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>291627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4815</Sole>
      <Shared>0</Shared>
      <None>1855</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>30047095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>687262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>687262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>171806386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3929698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3515826</Sole>
      <Shared>0</Shared>
      <None>413872</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>20183045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>192963</Sole>
      <Shared>0</Shared>
      <None>2382</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>759609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7257</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>228544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>761000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>1756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>6076043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>58808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>722413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>7858313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>76058</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>INTL HIGH ETF       </titleOfClass>
    <cusip>921946794</cusip>
    <value>319971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5170</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>257598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>ESG US STK ETF      </titleOfClass>
    <cusip>921910733</cusip>
    <value>1008851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13412</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>150440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>MEGA CAP VAL ETF    </titleOfClass>
    <cusip>921910840</cusip>
    <value>1086907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>4347093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1904715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7069</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>11314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1905000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>9443304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35057</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>138187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>8654050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>32127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>1814461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>875355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>6941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>875000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>2783891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>6394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>78183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>4445457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
    <value>967280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
    <value>584018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
    <value>584000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
    <value>4065692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
    <value>194166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
    <value>3495109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>27577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>6469053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>80011</Sole>
      <Shared>0</Shared>
      <None>530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>1983020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>537903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>6697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>1983000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>69718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>868</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>9886348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>123087</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>631074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF      </titleOfClass>
    <cusip>92204A405</cusip>
    <value>12093060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>149671</Sole>
      <Shared>0</Shared>
      <None>890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>8795796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>2105085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>428117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>5371000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>22844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>3318672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>14116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>10844458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>320676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>10989514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>46744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>3788461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>1098517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>399904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>1099000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5634</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>3839156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>120108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>8243754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>42280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>18859694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45206</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>4092159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9861</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>38586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>4092000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>27413688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>66073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>1104464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2502</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>25552031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>61386</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>675243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>319680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>320000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>962489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>33641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>1775058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
    <value>748405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5868</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
    <value>256100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2006</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
    <value>256000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
    <value>1006163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
    <value>28824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
    <value>2169328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11747</Sole>
      <Shared>0</Shared>
      <None>5262</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>1518207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>1058632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>1059000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>5179030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>108135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1028</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS                      </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>6508210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>61871</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>495604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2425</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>185546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>181000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>370279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>100708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>4000</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>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>1289263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3674</Sole>
      <Shared>0</Shared>
      <None>2663</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>101522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>7935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>658568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3224</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>314534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>48787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1121</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>175851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3652</Sole>
      <Shared>0</Shared>
      <None>522</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>112000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>220593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>49924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>262681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>5985</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>92180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>449064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>148</Sole>
      <Shared>0</Shared>
      <None>10511</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>459512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7010</Sole>
      <Shared>0</Shared>
      <None>3897</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>44255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>1222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>333333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6342</Sole>
      <Shared>0</Shared>
      <None>1570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>1492792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>35433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERACYTE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92337F107</cusip>
    <value>322000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14433</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERACYTE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92337F107</cusip>
    <value>322289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14433</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERACYTE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92337F107</cusip>
    <value>5047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>430781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2102</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>117467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>117000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>222783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>71898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>328504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>871</Sole>
      <Shared>0</Shared>
      <None>751</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>17216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>111189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>422</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>43468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>290339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1185</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>241000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>425232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>124026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>224000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>175054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>741</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>1813142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5589</Sole>
      <Shared>0</Shared>
      <None>2086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>50104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>61422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>1077018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
      <Shared>0</Shared>
      <None>359</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>4699191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>142148</Sole>
      <Shared>0</Shared>
      <None>2844</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>899442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>27226</Sole>
      <Shared>0</Shared>
      <None>526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>854000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>26350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>9723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>1739445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>53670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>460611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>14212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>118297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>22000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>4862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>4341514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>120835</Sole>
      <Shared>0</Shared>
      <None>13121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>423865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4122</Sole>
      <Shared>0</Shared>
      <None>8956</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>550095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6539</Sole>
      <Shared>0</Shared>
      <None>10434</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>8783661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>232207</Sole>
      <Shared>0</Shared>
      <None>38810</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>122413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>8103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP                     </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>92511U102</cusip>
    <value>3329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP                     </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>92511U102</cusip>
    <value>648011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP                     </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>92511U102</cusip>
    <value>648000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP                     </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>92511U102</cusip>
    <value>9257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>133</Sole>
      <Shared>0</Shared>
      <None>362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>4008747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11513</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>3239546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9284</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>3123000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>3825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>1127721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>310880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>2658000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>30253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>1479634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3229</Sole>
      <Shared>0</Shared>
      <None>1026</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>1109987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>2677</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>16344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>412767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>351</Sole>
      <Shared>0</Shared>
      <None>836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>390164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>84501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>243</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>1897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>70680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>71000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>163680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>42594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>140132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1792</Sole>
      <Shared>0</Shared>
      <None>1975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>9672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>72323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4536</Sole>
      <Shared>0</Shared>
      <None>2799</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>69769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7076</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>70000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7076</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>145484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>43670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>410541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39253</Sole>
      <Shared>0</Shared>
      <None>2384</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>19176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>1941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>38</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIATRIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92556V106</cusip>
    <value>136285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7092</Sole>
      <Shared>0</Shared>
      <None>6730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>1602071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>54109</Sole>
      <Shared>0</Shared>
      <None>945</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>2439017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>83596</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>308000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>25288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>31021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1066</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>925031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>31788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>103596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>12251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>1191000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>39899</Sole>
      <Shared>1035</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>93498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>3213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>6002981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>206281</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>233644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>7546</Sole>
      <Shared>0</Shared>
      <None>483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>1976763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>67671</Sole>
      <Shared>0</Shared>
      <None>259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>4379957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>147374</Sole>
      <Shared>0</Shared>
      <None>3140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>174777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3729</Sole>
      <Shared>0</Shared>
      <None>2204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>920055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>31572</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>3443054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>117670</Sole>
      <Shared>0</Shared>
      <None>648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>3197072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>109865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>925652109</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIPER ENERGY PARTNERS LP                </nameOfIssuer>
    <titleOfClass>COM UNT RP INT      </titleOfClass>
    <cusip>92763M105</cusip>
    <value>501338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17982</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIPER ENERGY PARTNERS LP                </nameOfIssuer>
    <titleOfClass>COM UNT RP INT      </titleOfClass>
    <cusip>92763M105</cusip>
    <value>501000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17982</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>20850407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86354</Sole>
      <Shared>0</Shared>
      <None>4296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>4015515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17254</Sole>
      <Shared>0</Shared>
      <None>204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>3686000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>8740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>4754307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>1285066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>61183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>3990000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>17349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>66243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>20721831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>81036</Sole>
      <Shared>0</Shared>
      <None>9055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>2424990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3543</Sole>
      <Shared>0</Shared>
      <None>7000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>13519988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5818</Sole>
      <Shared>0</Shared>
      <None>52962</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>14779293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>58526</Sole>
      <Shared>0</Shared>
      <None>5729</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>1051146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92826C839</cusip>
    <value>176878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTA OUTDOOR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>928377100</cusip>
    <value>6525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTA OUTDOOR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>928377100</cusip>
    <value>8048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTA OUTDOOR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>928377100</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTA OUTDOOR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>928377100</cusip>
    <value>156492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTA OUTDOOR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>928377100</cusip>
    <value>10300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTA OUTDOOR INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>928377100</cusip>
    <value>93763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>3550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>82950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>83000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>145992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>40977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>11576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>79101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1511</Sole>
      <Shared>0</Shared>
      <None>873</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>8063</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>VIVID SEATS INC                         </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92854T100</cusip>
    <value>229823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIVID SEATS INC                         </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92854T100</cusip>
    <value>230000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35798</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>16981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>217589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>218000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>452659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>124194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>154494</value>
    <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>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>295502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>928</Sole>
      <Shared>0</Shared>
      <None>847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC                              </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>928563402</cusip>
    <value>1034340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4150</Sole>
      <Shared>0</Shared>
      <None>2063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>92857W308</cusip>
    <value>27340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2803</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>92857W308</cusip>
    <value>27691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>92857W308</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1831</Sole>
      <Shared>0</Shared>
      <None>1090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>92857W308</cusip>
    <value>2617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>276</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>92857W308</cusip>
    <value>59610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4440</Sole>
      <Shared>0</Shared>
      <None>1848</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>92857W308</cusip>
    <value>226079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13034</Sole>
      <Shared>0</Shared>
      <None>10814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>1111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>25674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>49352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>17486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>215868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5330</Sole>
      <Shared>0</Shared>
      <None>4188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>49942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>26195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>923</Sole>
      <Shared>0</Shared>
      <None>232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>253608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>929042109</cusip>
    <value>4899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929089100</cusip>
    <value>300753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4483</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929089100</cusip>
    <value>88379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929089100</cusip>
    <value>14154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929089100</cusip>
    <value>177435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929089100</cusip>
    <value>85056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929089100</cusip>
    <value>23324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>117778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>565</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>165858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>162000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>333333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>87879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>167519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>829</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>786868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1229</Sole>
      <Shared>0</Shared>
      <None>2666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>2424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>1048888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2895</Sole>
      <Shared>0</Shared>
      <None>2297</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929160109</cusip>
    <value>1011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>19554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>113178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>113000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>246015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>62062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>32207</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>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>183210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1135</Sole>
      <Shared>0</Shared>
      <None>589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>166950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>595</Sole>
      <Shared>0</Shared>
      <None>976</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929740108</cusip>
    <value>605420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>141380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6348</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>95632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>96000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>201272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>58936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>98516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>4230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>381750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12308</Sole>
      <Shared>0</Shared>
      <None>4857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>53376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>2160794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>94288</Sole>
      <Shared>0</Shared>
      <None>2870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931427108</cusip>
    <value>23025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALKME LTD                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M97628107</cusip>
    <value>1934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALKME LTD                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M97628107</cusip>
    <value>3991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALKME LTD                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M97628107</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALKME LTD                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M97628107</cusip>
    <value>67754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALKME LTD                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M97628107</cusip>
    <value>4304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALKME LTD                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M97628107</cusip>
    <value>41238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>5816014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36281</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>1829919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11303</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>1415000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>2894733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>790854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>84115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>415000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>10612795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>62166</Sole>
      <Shared>0</Shared>
      <None>4193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>1840670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5345</Sole>
      <Shared>0</Shared>
      <None>6164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>199113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1137</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>12398573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>73668</Sole>
      <Shared>0</Shared>
      <None>3857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>168726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>931142103</cusip>
    <value>21751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>136</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>335987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22980</Sole>
      <Shared>0</Shared>
      <None>7958</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>167711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15110</Sole>
      <Shared>0</Shared>
      <None>333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>164000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>305438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>28125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>76161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>316906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24533</Sole>
      <Shared>0</Shared>
      <None>4648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>30398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2799</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>5712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>427</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>366894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>31073</Sole>
      <Shared>0</Shared>
      <None>2711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC               </nameOfIssuer>
    <titleOfClass>COM SER A           </titleOfClass>
    <cusip>934423104</cusip>
    <value>1260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>114827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>198630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>13430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>199000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>1793442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12441</Sole>
      <Shared>0</Shared>
      <None>913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>428551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>1516247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11194</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106B101</cusip>
    <value>774777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>4520761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25640</Sole>
      <Shared>0</Shared>
      <None>4016</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>398935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2510</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>383000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>791164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>209605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>7933435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49308</Sole>
      <Shared>0</Shared>
      <None>2735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>224663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>1314</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>4169996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27312</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>15278604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>89465</Sole>
      <Shared>0</Shared>
      <None>10762</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>94106L109</cusip>
    <value>1068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>41132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>142</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>85005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>85000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>208400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>54842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>418993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1071</Sole>
      <Shared>0</Shared>
      <None>457</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>53746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>5484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>941848103</cusip>
    <value>322745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>982</Sole>
      <Shared>0</Shared>
      <None>195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>94430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>94000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>169974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>39661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>136357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>37017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>5666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
    <value>173373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATTS WATER TECHNOLOGIES INC            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>942749102</cusip>
    <value>126504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATTS WATER TECHNOLOGIES INC            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>942749102</cusip>
    <value>1037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATTS WATER TECHNOLOGIES INC            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>942749102</cusip>
    <value>272019</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>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>3331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>24228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>63477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>17868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>115507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1064</Sole>
      <Shared>0</Shared>
      <None>843</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>27196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>449</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>94419L101</cusip>
    <value>42884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929236107</cusip>
    <value>45526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929236107</cusip>
    <value>34000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929236107</cusip>
    <value>34144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929236107</cusip>
    <value>83735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>391</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929236107</cusip>
    <value>105482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>929236107</cusip>
    <value>377010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>7136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>150309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1568</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>17163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>212366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>947890109</cusip>
    <value>8788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>947890109</cusip>
    <value>93197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>947890109</cusip>
    <value>16527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>947890109</cusip>
    <value>12738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>947890109</cusip>
    <value>375730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8606</Sole>
      <Shared>0</Shared>
      <None>715</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>947890109</cusip>
    <value>22130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>479</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>947890109</cusip>
    <value>266046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6432</Sole>
      <Shared>0</Shared>
      <None>168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>369644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4573</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>165128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>165000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>318173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>80389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>998</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>56220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>624</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>233676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1428</Sole>
      <Shared>0</Shared>
      <None>1473</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>1128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>420149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4793</Sole>
      <Shared>0</Shared>
      <None>423</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92939U106</cusip>
    <value>645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEIS MKTS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>948849104</cusip>
    <value>6489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEIS MKTS INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>948849104</cusip>
    <value>1521450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>7196181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174544</Sole>
      <Shared>0</Shared>
      <None>1574</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>2586847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>63204</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>2478000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>60650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>5189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>1896926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>46425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>515367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>12613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>9561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>2555000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>62541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>32729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>3499250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>76225</Sole>
      <Shared>0</Shared>
      <None>9415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>439355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4408</Sole>
      <Shared>0</Shared>
      <None>6345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>12258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>3371236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>70446</Sole>
      <Shared>0</Shared>
      <None>12061</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>949746101</cusip>
    <value>88462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>6144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>257475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>254000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>513638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>134349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>416399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2404</Sole>
      <Shared>0</Shared>
      <None>2679</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>5407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>138854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>505</Sole>
      <Shared>0</Shared>
      <None>1190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95040Q104</cusip>
    <value>3728015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>45508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>8342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>43146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>43000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>86292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>24449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>186103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1022</Sole>
      <Shared>0</Shared>
      <None>272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>434680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3022</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95082P105</cusip>
    <value>5321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>231505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>607</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>236007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>617</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>169000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>356450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>96429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>349000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>929</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>281408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>2757043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6784</Sole>
      <Shared>0</Shared>
      <None>564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>860144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>1507219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEST PHARMACEUTICAL SVSC INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>955306105</cusip>
    <value>23837467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>63021</Sole>
      <Shared>0</Shared>
      <None>510</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>957638109</cusip>
    <value>74333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1617</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>957638109</cusip>
    <value>52866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>957638109</cusip>
    <value>13561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>957638109</cusip>
    <value>78885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>749</Sole>
      <Shared>0</Shared>
      <None>967</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>957638109</cusip>
    <value>14358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>957638109</cusip>
    <value>919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ALLIANCE BANCORP                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>957638109</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET MANAGED MUNS F            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95766M105</cusip>
    <value>68073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6170</Sole>
      <Shared>0</Shared>
      <None>1453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET MANAGED MUNS F            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95766M105</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET MANAGED MUNS F            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95766M105</cusip>
    <value>4161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET MANAGED MUNS F            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95766M105</cusip>
    <value>54187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET MANAGED MUNS F            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>95766M105</cusip>
    <value>20459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>133513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2912</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>81632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>82000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>193152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>55030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>152861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1326</Sole>
      <Shared>0</Shared>
      <None>2024</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>1643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>2510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN DIGITAL CORP.                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>958102105</cusip>
    <value>74742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1371</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>959802109</cusip>
    <value>78948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>959802109</cusip>
    <value>24963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>959802109</cusip>
    <value>18149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1377</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>959802109</cusip>
    <value>14279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1083</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>959802109</cusip>
    <value>7473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>72030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>53700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>109190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>35442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>309956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7732</Sole>
      <Shared>0</Shared>
      <None>926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>168595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4709</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTROCK CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>96145D105</cusip>
    <value>19368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>358446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11615</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>134904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>135000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>300223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>78796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>7206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>1101123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33800</Sole>
      <Shared>0</Shared>
      <None>2114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE                  </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>962166104</cusip>
    <value>5374606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>117132</Sole>
      <Shared>0</Shared>
      <None>58165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHEATON PRECIOUS METALS CORP            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>962879102</cusip>
    <value>283850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHEATON PRECIOUS METALS CORP            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>962879102</cusip>
    <value>448159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8596</Sole>
      <Shared>0</Shared>
      <None>2456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>267667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>48132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>48000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>91585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>26740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>89445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>126944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>949</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>963320106</cusip>
    <value>37035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>98206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>271710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7700</Sole>
      <Shared>0</Shared>
      <None>365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>259000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>497601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>14770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>138196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>606791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14166</Sole>
      <Shared>0</Shared>
      <None>3845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>10107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>4211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>865698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22755</Sole>
      <Shared>0</Shared>
      <None>2941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969457100</cusip>
    <value>6738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>73038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>73000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>118104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>28749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>124000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>124320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>1072105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6503</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>67145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>432</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>367210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>969904101</cusip>
    <value>552292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>647985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>1912193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>616000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>5433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>4597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>292544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>80450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>57673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>606000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>78569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>8635063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>41317</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>2166497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>10368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>3303449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>15795</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>3822714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17907</Sole>
      <Shared>0</Shared>
      <None>387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>25497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>115973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>1143847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5308</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>50777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>3909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>54067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>112293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>33688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>253657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1355</Sole>
      <Shared>0</Shared>
      <None>4744</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>16636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>2870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT MOBIL MINI HLDNG CO            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>2704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>45225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>14119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>60400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>11703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>242280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2708</Sole>
      <Shared>0</Shared>
      <None>501</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>7324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>8909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>100189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1305</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97717P104</cusip>
    <value>371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97717P104</cusip>
    <value>551656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97717P104</cusip>
    <value>552000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US LARGECAP DIVD    </titleOfClass>
    <cusip>97717W307</cusip>
    <value>94080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US LARGECAP DIVD    </titleOfClass>
    <cusip>97717W307</cusip>
    <value>382099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5264</Sole>
      <Shared>0</Shared>
      <None>950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>279338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>432144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>11530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>432000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>2088536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>327950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>7479359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>197856</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>12818338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>440235</Sole>
      <Shared>0</Shared>
      <None>14316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>360593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>144948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3810</Sole>
      <Shared>0</Shared>
      <None>1330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>111169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>359000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>22024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>5397113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>191275</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>421026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>6918955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>241835</Sole>
      <Shared>0</Shared>
      <None>3518</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL SMCAP DIV      </titleOfClass>
    <cusip>97717W760</cusip>
    <value>349647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL SMCAP DIV      </titleOfClass>
    <cusip>97717W760</cusip>
    <value>91952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>159670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>34215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>34000</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>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>485625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>207571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>3143948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>67616</Sole>
      <Shared>0</Shared>
      <None>1300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ    </titleOfClass>
    <cusip>97717X701</cusip>
    <value>322083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ    </titleOfClass>
    <cusip>97717X701</cusip>
    <value>563349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>1539706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>12091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>1534000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>12048</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>96302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>21746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>21746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>224041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1268</Sole>
      <Shared>0</Shared>
      <None>535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>980745103</cusip>
    <value>9320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>97757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>452</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>266629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>262000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>537125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>151899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>707</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>8379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>1339375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5021</Sole>
      <Shared>0</Shared>
      <None>1213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>88734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>16329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>703204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3190</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98138H101</cusip>
    <value>467084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORTHINGTON INDS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>981811102</cusip>
    <value>557678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>9000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORTHINGTON INDS INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>981811102</cusip>
    <value>4142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>64896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>65000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>146016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>42182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>162840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>109836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1215</Sole>
      <Shared>0</Shared>
      <None>816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>37207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>653</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>1016758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92936U109</cusip>
    <value>595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WPP PLC NEW                             </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>92937A102</cusip>
    <value>19660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WPP PLC NEW                             </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>92937A102</cusip>
    <value>5795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WPP PLC NEW                             </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>92937A102</cusip>
    <value>8336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WPP PLC NEW                             </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>92937A102</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WPP PLC NEW                             </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>92937A102</cusip>
    <value>394266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8529</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WPP PLC NEW                             </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>92937A102</cusip>
    <value>10878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WPP PLC NEW                             </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>92937A102</cusip>
    <value>81359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1316</Sole>
      <Shared>0</Shared>
      <None>509</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>24617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>40333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>40000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>80666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>16551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>3338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>32058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>427</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98311A105</cusip>
    <value>5216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>3604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>53598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>54000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>126417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>30033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>9241</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>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>71895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>395</Sole>
      <Shared>0</Shared>
      <None>383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>37149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983134107</cusip>
    <value>647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>195864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3401</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>343949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5867</Sole>
      <Shared>0</Shared>
      <None>144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>186000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>391957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>108146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>488000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8522</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>346124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>3050398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>50470</Sole>
      <Shared>0</Shared>
      <None>2840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>50493</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>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>209769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3651</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>1414536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24290</Sole>
      <Shared>0</Shared>
      <None>431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98389B100</cusip>
    <value>2461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>2762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>41063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>41000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>108257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>32850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>27177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>125802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>635</Sole>
      <Shared>0</Shared>
      <None>1050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>16724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>193</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>983793100</cusip>
    <value>12618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>504943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>631475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6692</Sole>
      <Shared>0</Shared>
      <None>245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>243000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>5280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>264897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>62265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>574000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>51159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>3537335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>36053</Sole>
      <Shared>0</Shared>
      <None>2806</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>2093235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>21970</Sole>
      <Shared>0</Shared>
      <None>1025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>2183355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19002</Sole>
      <Shared>0</Shared>
      <None>4983</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>4041732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>43627</Sole>
      <Shared>0</Shared>
      <None>773</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>46830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>514</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>570940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6272</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XYLEM INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98419M100</cusip>
    <value>1999656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21213</Sole>
      <Shared>0</Shared>
      <None>754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>1599607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10749</Sole>
      <Shared>0</Shared>
      <None>2054</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>226766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>217000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>462278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>127439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1020</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>1600981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11367</Sole>
      <Shared>0</Shared>
      <None>1447</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>331465</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>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>6747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>5974756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>44311</Sole>
      <Shared>0</Shared>
      <None>3510</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>988498101</cusip>
    <value>76338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM CHINA HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98850P109</cusip>
    <value>153341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM CHINA HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98850P109</cusip>
    <value>247118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM CHINA HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98850P109</cusip>
    <value>104941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1883</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM CHINA HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98850P109</cusip>
    <value>3009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM CHINA HLDGS INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98850P109</cusip>
    <value>2242953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>39224</Sole>
      <Shared>0</Shared>
      <None>1030</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>499078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2105</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>75690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>76000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>153745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>46123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>26019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>235347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>603</Sole>
      <Shared>0</Shared>
      <None>392</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>13246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>989207105</cusip>
    <value>6859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>3462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>54146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>51000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>105937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>28850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>59223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>794</Sole>
      <Shared>0</Shared>
      <None>489</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>1523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZILLOW GROUP INC                        </nameOfIssuer>
    <titleOfClass>CL C CAP STK        </titleOfClass>
    <cusip>98954M200</cusip>
    <value>4939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>224216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1988</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>143417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>140000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>309727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>86634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>772</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>185275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>954</Sole>
      <Shared>0</Shared>
      <None>697</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>40457</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>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>196385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98956P102</cusip>
    <value>860615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7214</Sole>
      <Shared>0</Shared>
      <None>455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORPORATION N A                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>989701107</cusip>
    <value>57464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1568</Sole>
      <Shared>0</Shared>
      <None>79</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORPORATION N A                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>989701107</cusip>
    <value>64198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORPORATION N A                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>989701107</cusip>
    <value>16224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORPORATION N A                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>989701107</cusip>
    <value>12770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORPORATION N A                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>989701107</cusip>
    <value>125220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2609</Sole>
      <Shared>0</Shared>
      <None>980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORPORATION N A                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>989701107</cusip>
    <value>119568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>3337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIONS BANCORPORATION N A                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>989701107</cusip>
    <value>4083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIPRECRUITER INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980B103</cusip>
    <value>586359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48904</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIPRECRUITER INC                        </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980B103</cusip>
    <value>586000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48904</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>9724786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55804</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>4289651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24591</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>3228000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>18555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>9221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>6959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>1023176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>273323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>82345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>3425000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>19688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>88208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>507</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>4925374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>28306</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>3456809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>19869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>2974710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>17069</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>20124441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>113877</Sole>
      <Shared>0</Shared>
      <None>1794</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>1858746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3649</Sole>
      <Shared>0</Shared>
      <None>7035</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>3457505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>19855</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>12494548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>66650</Sole>
      <Shared>0</Shared>
      <None>5166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>342567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC                              </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98978V103</cusip>
    <value>90644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOMEDICA CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980M109</cusip>
    <value>3289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>5805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>83</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>110645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>108000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>218772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>63995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>40566</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>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>407261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5136</Sole>
      <Shared>0</Shared>
      <None>687</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOM VIDEO COMMUNICATIONS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>98980L101</cusip>
    <value>17765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>4822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>26240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>26000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>57400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>15744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>5642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>75473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1257</Sole>
      <Shared>0</Shared>
      <None>3345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>14219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>565</Sole>
      <Shared>0</Shared>
      <None>302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOOMINFO TECHNOLOGIES INC               </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>98980F104</cusip>
    <value>460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>3579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>77795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>78000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>171149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>45121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>12292</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>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>52434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>197</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>38120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZSCALER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>98980G102</cusip>
    <value>778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZTO EXPRESS CAYMAN INC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS A</titleOfClass>
    <cusip>98980A105</cusip>
    <value>1180052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>48823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
