<SEC-DOCUMENT>0000950123-24-006923.txt : 20240731
<SEC-HEADER>0000950123-24-006923.hdr.sgml : 20240731
<ACCEPTANCE-DATETIME>20240731131051
ACCESSION NUMBER:		0000950123-24-006923
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240630
FILED AS OF DATE:		20240731
DATE AS OF CHANGE:		20240731
EFFECTIVENESS DATE:		20240731

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			M&T BANK CORP
		CENTRAL INDEX KEY:			0000036270
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		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:		241160976

	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>
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  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0000036270</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2024</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2024</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>07-30-2024</signatureDate>
    </signatureBlock>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>34434.xml
<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
<TEXT>
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  <infoTable>
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      <Sole>27362</Sole>
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      <None>2407</None>
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    <cusip>00724F101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
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    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>00751Y106</cusip>
    <value>25965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>00751Y106</cusip>
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      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
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    <cusip>00751Y106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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    <cusip>00751Y106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>23</None>
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  <infoTable>
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    <cusip>00751Y106</cusip>
    <value>140656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>2221</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCE AUTO PARTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00751Y106</cusip>
    <value>1773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCE AUTO PARTS INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00751Y106</cusip>
    <value>18112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>263</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>4170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>55335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>48000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>120293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>36088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>114000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>107141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>491275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3063</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2991</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>7218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>296882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1851</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>1797</Sole>
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      <None>54</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>6091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>1197556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>10966</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>1193000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10966</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>2066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>111479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>984</Sole>
      <Shared>0</Shared>
      <None>41</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>7939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>31867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>866201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4988</Sole>
      <Shared>0</Shared>
      <None>352</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1543266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9514</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1413000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8712</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>94082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
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      <Sole>580</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>2987584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18418</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>824838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5085</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>91000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>561</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>50772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>313</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>6423840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>37253</Sole>
      <Shared>0</Shared>
      <None>2349</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <cusip>011659109</cusip>
    <value>170246</value>
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      <sshPrnamt>4214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>3897</Sole>
      <Shared>0</Shared>
      <None>317</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <cusip>011659109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42</None>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <cusip>011659109</cusip>
    <value>45369</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1123</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <cusip>011659109</cusip>
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      <Sole>1974</Sole>
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      <None>0</None>
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      <sshPrnamt>34</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>822</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>822</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>822</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>822</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
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    <cusip>012348108</cusip>
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      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1774</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
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    <cusip>012348108</cusip>
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      <sshPrnamt>2343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2343</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
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    <cusip>012348108</cusip>
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      <sshPrnamt>3390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3390</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>186</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
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      <None>35</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>1505</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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    <cusip>012653101</cusip>
    <value>128952</value>
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      <sshPrnamt>1350</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>012653101</cusip>
    <value>38208</value>
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      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>555</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>3203</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>18</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>16</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>38</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>26699</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>013091103</cusip>
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      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>4950</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBERTSONS COS INC                      </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>013091103</cusip>
    <value>27453</value>
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      <sshPrnamt>1390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1567</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>013091103</cusip>
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      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>52</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>20129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>426</Sole>
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      <None>80</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>57681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1450</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>77571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>26852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>675</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>91</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>398</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>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>248068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5870</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>1234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>165922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2062</Sole>
      <Shared>0</Shared>
      <None>2109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>228934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5616</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>1620766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>235884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>216108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>555000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>362734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>3845405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42881</Sole>
      <Shared>0</Shared>
      <None>287</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>324251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>2774129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>29072</Sole>
      <Shared>0</Shared>
      <None>2070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>4834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>257</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>3205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>3188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>64889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>2646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>21285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>122604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>2456</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>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>121181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>117000</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>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>235695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>64334</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>4000</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>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>237917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1906</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>1638</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>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>27956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>1597927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13661</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>3550464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>49312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>79920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>105840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>01609W102</cusip>
    <value>34488</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>447408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>01626W101</cusip>
    <value>1506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIGHT INC                              </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>01626W101</cusip>
    <value>1056691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
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    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
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    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
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    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
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    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
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    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
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    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
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    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
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    <nameOfIssuer>APARTMENT INVT &amp; MGMT CO                </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <titleOfClass>SHS                 </titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
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      <sshPrnamt>10941</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <None>6737</None>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
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    <nameOfIssuer>ARAMARK                                 </nameOfIssuer>
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    <nameOfIssuer>ASPEN TECHNOLOGY INC                    </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
    <value>31778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>6</None>
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  <infoTable>
    <nameOfIssuer>AXON ENTERPRISE INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05464C101</cusip>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
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  <infoTable>
    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>595</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>2034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1834</Sole>
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      <None>200</None>
    </votingAuthority>
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    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
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      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>32</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AZEK CO INC                             </nameOfIssuer>
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    <cusip>05478C105</cusip>
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      <sshPrnamt>516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1195</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>12366</value>
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      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>235</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>5000</value>
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      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>36834</value>
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      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
    <value>4736</value>
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      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>90</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>2096</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>114340102</cusip>
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      <sshPrnamt>1961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <Sole>9480</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>AZENTA INC                              </nameOfIssuer>
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      <Sole>5457</Sole>
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      <None>157</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>148</Sole>
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      <None>160</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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    <cusip>05722G100</cusip>
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      <sshPrnamt>5673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>5673</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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      <sshPrnamt>5190</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5190</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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      <sshPrnamt>11300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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      <sshPrnamt>3067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>3067</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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      <sshPrnamt>426</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>426</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <None>303</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>14760</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11473</Sole>
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      <None>3287</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>84</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>3596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>3040</Sole>
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      <None>556</None>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>23573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23369</Sole>
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      <None>204</None>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
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      <sshPrnamt>2181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>2181</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1450</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>3700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>910</Sole>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <nameOfIssuer>BLOCK H &amp; R INC                         </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <cusip>109194100</cusip>
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      <None>0</None>
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  <infoTable>
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    <cusip>10922N103</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>19696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>2063464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6233</Sole>
      <Shared>0</Shared>
      <None>472</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>39392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>83708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>272</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>870317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>2821</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>138795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>1231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAE INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>124765108</cusip>
    <value>1986704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>106927</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAE INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>124765108</cusip>
    <value>1987000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>106927</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAE INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>124765108</cusip>
    <value>16350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>791</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>11048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>27818</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>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>28000</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>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>95773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>28414</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>157887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3649</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>318</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>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>42879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1079</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>757800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMBRIDGE BANCORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>132152109</cusip>
    <value>5106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMBRIDGE BANCORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>132152109</cusip>
    <value>621</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>CAMBRIDGE BANCORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>132152109</cusip>
    <value>414000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>3273</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>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>59356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>44000</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>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>144025</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>40698</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>74000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>74304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>284886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2599</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>216256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1982</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>325148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>1031199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMECO CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13321L108</cusip>
    <value>88560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMECO CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13321L108</cusip>
    <value>276455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>14506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>58747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
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      <None>0</None>
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    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>142339100</cusip>
    <value>558379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1356</Sole>
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      <None>22</None>
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  <infoTable>
    <nameOfIssuer>CARLISLE COS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>389407</value>
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      <sshPrnamt>961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>946</Sole>
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      <None>15</None>
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    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>275</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
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    <cusip>14316J108</cusip>
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      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14316J108</cusip>
    <value>24090</value>
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      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARLYLE GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>14316J108</cusip>
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      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>283532</value>
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      <sshPrnamt>3866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3866</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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      <sshPrnamt>1726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1726</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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    <value>31903</value>
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      <sshPrnamt>435</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>435</Sole>
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    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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      <sshPrnamt>756</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>756</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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    <value>468203</value>
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      <Sole>5408</Sole>
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      <None>976</None>
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  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <Sole>13170</Sole>
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  <infoTable>
    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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      <Sole>2091</Sole>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>11700</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>3250</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>13937</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>1000</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CIENA CORP                              </nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>7073</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
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      <sshPrnamt>7073</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
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      <sshPrnamt>352</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>1756</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>470</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CNX RES CORP                            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>COCA COLA CO                            </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
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    <cusip>20030N101</cusip>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW                        </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>14</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>COMMERCE BANCSHARES INC                 </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
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      <Sole>35</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
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    <value>842242</value>
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      <sshPrnamt>15551</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>15525</Sole>
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      <None>26</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPART INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>4480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>14</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>8510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>340</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>181793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>140</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>7960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>318</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>240013</value>
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      <Sole>9589</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>227</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORCEPT THERAPEUTICS INC                </nameOfIssuer>
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      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORCEPT THERAPEUTICS INC                </nameOfIssuer>
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    <cusip>218352102</cusip>
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      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORCEPT THERAPEUTICS INC                </nameOfIssuer>
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    <cusip>218352102</cusip>
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      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>253</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORCEPT THERAPEUTICS INC                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>218352102</cusip>
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      <sshPrnamt>8287</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5038</Sole>
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  <infoTable>
    <nameOfIssuer>CORCEPT THERAPEUTICS INC                </nameOfIssuer>
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    <cusip>218352102</cusip>
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      <sshPrnamt>249</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORCEPT THERAPEUTICS INC                </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
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      <None>85</None>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
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      <sshPrnamt>1850</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
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      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
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      <sshPrnamt>1203</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
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      <Sole>427</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORE &amp; MAIN INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>21874C102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>1269</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CORNING INC                             </nameOfIssuer>
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    <nameOfIssuer>COSTAR GROUP INC                        </nameOfIssuer>
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    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>124000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>15629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>31551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>1506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>254543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>63793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>230000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>2807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>2324193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>110940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>1221699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>58315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>1871107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88629</Sole>
      <Shared>0</Shared>
      <None>684</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>3010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>19678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>42434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>15279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>76000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>75631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
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    <cusip>222795502</cusip>
    <value>238630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9998</Sole>
      <Shared>0</Shared>
      <None>310</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>208026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>318428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13755</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>301019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13003</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>20297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>20000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</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>72490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>20297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>74000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>513</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>74375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>224574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1454</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>1740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>211381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>1458</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>331279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2285</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>2457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>630353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>429</Sole>
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      <None>9834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>625000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>340</Sole>
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      <None>9834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>24568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>8599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
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      <None>0</None>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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      <None>0</None>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>145</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>1363</sshPrnamt>
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  <infoTable>
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    <cusip>253393102</cusip>
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      <None>4</None>
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      <None>58</None>
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  <infoTable>
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      <sshPrnamt>1813</sshPrnamt>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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    <value>533696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3510</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>962</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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    <cusip>253868103</cusip>
    <value>11252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>728472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4552</Sole>
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      <None>239</None>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>7020605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>46173</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>4112192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27045</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>26890</Sole>
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      <None>155</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>253868103</cusip>
    <value>4253143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>27972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>4083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>197</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>1891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC                 </nameOfIssuer>
    <titleOfClass>CL A NEW            </titleOfClass>
    <cusip>25401T603</cusip>
    <value>172606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>12599</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US EQUITY ETF       </titleOfClass>
    <cusip>25434V401</cusip>
    <value>970731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>16495</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US SMALL CAP ETF    </titleOfClass>
    <cusip>25434V500</cusip>
    <value>272943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4543</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US TARGETED VLU     </titleOfClass>
    <cusip>25434V609</cusip>
    <value>522694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10077</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US CORE EQUITY 2    </titleOfClass>
    <cusip>25434V708</cusip>
    <value>2103918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>65258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE    </titleOfClass>
    <cusip>25434V724</cusip>
    <value>911260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL     </titleOfClass>
    <cusip>25434V807</cusip>
    <value>2144216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>59661</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL     </titleOfClass>
    <cusip>25434V807</cusip>
    <value>168811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4697</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>WORLD EX US CORE    </titleOfClass>
    <cusip>25434V880</cusip>
    <value>633797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>94445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>674</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>9157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</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>376733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254709108</cusip>
    <value>107264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>193</Sole>
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      <None>0</None>
    </votingAuthority>
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    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <cusip>26142V105</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>26142V105</cusip>
    <value>91608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26142V105</cusip>
    <value>92000</value>
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      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>26142V105</cusip>
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      <sshPrnamt>4570</sshPrnamt>
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    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4570</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>26142V105</cusip>
    <value>49621</value>
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      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>1300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <Sole>10876</Sole>
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      <None>108</None>
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  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>23664</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>1278</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1240</Sole>
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      <None>38</None>
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  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW                      </nameOfIssuer>
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      <sshPrnamt>8839</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8839</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1338</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26154D100</cusip>
    <value>321433</value>
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      <sshPrnamt>12449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12433</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26154D100</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DREAM FINDERS HOMES INC                 </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>26154D100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5637</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26210V102</cusip>
    <value>2610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26210V102</cusip>
    <value>7638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26210V102</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>9548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26210V102</cusip>
    <value>700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>55</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26210V102</cusip>
    <value>52830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>26210V102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2843</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DRIVEN BRANDS HLDGS INC                 </nameOfIssuer>
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      <sshPrnamt>962</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>962</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>9234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
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      <sshPrnamt>868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>868</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
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      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>76357</value>
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      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>1075</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>16692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>235</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>118</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COMMON STOCK        </titleOfClass>
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    <value>157758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1968</Sole>
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      <None>253</None>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
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      <sshPrnamt>158</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>158</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DT MIDSTREAM INC                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>27</Sole>
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  <infoTable>
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    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>23345M107</cusip>
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      <sshPrnamt>278</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>278</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>477</Sole>
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      <None>2</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>1159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1159</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
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      <sshPrnamt>1100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DTE ENERGY CO                           </nameOfIssuer>
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      <sshPrnamt>2350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>2350</Sole>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>166</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>116</sshPrnamt>
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      <Sole>116</Sole>
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      <None>0</None>
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      <sshPrnamt>168</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>3402</sshPrnamt>
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      <None>81</None>
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      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
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      <sshPrnamt>973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>147</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ENERSYS                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29275Y102</cusip>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1409</Sole>
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      <None>32</None>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>346991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>3480</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29355A107</cusip>
    <value>243592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2414</Sole>
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      <None>29</None>
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    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
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      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
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  <infoTable>
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    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>2446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>6725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>15</None>
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  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>2140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>7</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>971</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
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      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
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      <sshPrnamt>21372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>700</Sole>
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      <None>20672</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
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      <sshPrnamt>21372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>700</Sole>
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      <None>20672</None>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
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    <value>223410</value>
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      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
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    <cusip>29362U104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
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    <value>1084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>8</None>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>29362U104</cusip>
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      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1981</Sole>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTEGRIS INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>324</None>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
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      <sshPrnamt>1020</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1020</Sole>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1150</sshPrnamt>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
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      <sshPrnamt>670</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
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      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>95</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3610</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW                        </nameOfIssuer>
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      <sshPrnamt>711</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>711</Sole>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
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      <sshPrnamt>18822</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>15204</Sole>
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      <None>3618</None>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>16718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
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      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>21011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
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    <value>484000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16718</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>293792107</cusip>
    <value>65553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>406023</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>9523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>9523</Sole>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>273599</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>269187</Sole>
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  <infoTable>
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      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV            </nameOfIssuer>
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    </votingAuthority>
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    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
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    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>336433107</cusip>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
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  <infoTable>
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    <titleOfClass>NASD TECH DIV       </titleOfClass>
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      <Sole>600</Sole>
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    </votingAuthority>
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  <infoTable>
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    <cusip>33738R118</cusip>
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      <Sole>4831</Sole>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>DORSEY WRT 5 ETF    </titleOfClass>
    <cusip>33738R605</cusip>
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      <sshPrnamt>6446</sshPrnamt>
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      <Sole>6446</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <cusip>35137L105</cusip>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>5692</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC                    </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>FRESHPET INC                            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>FRESHPET INC                            </nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>200</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>FRESHPET INC                            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>FRESHPET INC                            </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GAMBLING COM GROUP LIMITED              </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G3R239101</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMBLING COM GROUP LIMITED              </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G3R239101</cusip>
    <value>57088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMBLING COM GROUP LIMITED              </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G3R239101</cusip>
    <value>2400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMBLING COM GROUP LIMITED              </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G3R239101</cusip>
    <value>18807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>67634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>51359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1136</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>131516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>39559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>875</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>345540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>22334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>36467J108</cusip>
    <value>1034224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>22876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>364760108</cusip>
    <value>24559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>859</Sole>
      <Shared>0</Shared>
      <None>169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>364760108</cusip>
    <value>33255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1392</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>364760108</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>364760108</cusip>
    <value>54947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>364760108</cusip>
    <value>7406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>101294</value>
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      <sshPrnamt>4240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4111</Sole>
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      <None>129</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>364760108</cusip>
    <value>648207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>27133</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GAP INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>785</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>432</Sole>
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      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>979</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>750</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
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      <Sole>237</Sole>
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      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
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    <cusip>H2906T109</cusip>
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      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1740</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>495</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>337</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>680</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>374</Sole>
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      <None>70</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>14298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13999</Sole>
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      <None>299</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>460</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>10277</Sole>
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      <None>24</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>269</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1658</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>366651107</cusip>
    <value>777323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>GARTNER INC                             </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO                        </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GRAY TELEVISION INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>389375106</cusip>
    <value>17872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3437</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>13675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>9513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>2081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>196205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>645</Sole>
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      <None>15</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>9513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>398905109</cusip>
    <value>60942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GSK PLC                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>37733W204</cusip>
    <value>509856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10388</Sole>
      <Shared>0</Shared>
      <None>2855</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GSK PLC                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>37733W204</cusip>
    <value>690883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14346</Sole>
      <Shared>0</Shared>
      <None>3599</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GSK PLC                                 </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>37733W204</cusip>
    <value>923076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17581</Sole>
      <Shared>0</Shared>
      <None>6395</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>5516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>68945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>69000</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>
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  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>130996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>37920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>602855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3706</Sole>
      <Shared>0</Shared>
      <None>666</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>2344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>17</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUIDEWIRE SOFTWARE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>40171V100</cusip>
    <value>360031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2604</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>27775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>75750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>22220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>1669025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>1970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>41057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED              </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>36262G101</cusip>
    <value>743714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14727</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>55392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3137</Sole>
      <Shared>0</Shared>
      <None>3569</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>62223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5875</Sole>
      <Shared>0</Shared>
      <None>1658</None>
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  <infoTable>
    <nameOfIssuer>HALEON PLC                              </nameOfIssuer>
    <titleOfClass>SPON ADS            </titleOfClass>
    <cusip>405552100</cusip>
    <value>157667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14122</Sole>
      <Shared>0</Shared>
      <None>4966</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>2467055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>73033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>157617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4666</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>155000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>4560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>135</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>10413</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>406216101</cusip>
    <value>91037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>21329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>21329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICICI BANK LIMITED                      </nameOfIssuer>
    <titleOfClass>ADR                 </titleOfClass>
    <cusip>45104G104</cusip>
    <value>5431405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>101454</Sole>
      <Shared>0</Shared>
      <None>87071</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>54544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>591518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>108000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>31660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>64261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>297797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>81502</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>484000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>3584843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11436</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>942291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>3253192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10297</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>400301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>1900</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>
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  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>11875</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>29688</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>8313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>195819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1019</Sole>
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      <None>630</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>3563</value>
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      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>30</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>29569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>249</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICU MED INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>44930G107</cusip>
    <value>275619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2321</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>104049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>27945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
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      <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>
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    <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>51233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>9781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>64000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>689</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>699</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>230174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>1721</Sole>
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      <None>750</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>177730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1908</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDACORP INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>451107106</cusip>
    <value>257187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>2761</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>149</Sole>
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      <None>34</None>
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  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>440</Sole>
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      <None>7454</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>440</Sole>
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      <None>7454</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>45167R104</cusip>
    <value>175044</value>
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      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>870</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IDEX CORP                               </nameOfIssuer>
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    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>5128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>365</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>2776673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>197628</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>461484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3180</Sole>
      <Shared>0</Shared>
      <None>29666</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>21707</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>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD             </nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD       </titleOfClass>
    <cusip>46090F100</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK             </nameOfIssuer>
    <titleOfClass>UNIT                </titleOfClass>
    <cusip>46138B103</cusip>
    <value>29247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK             </nameOfIssuer>
    <titleOfClass>UNIT                </titleOfClass>
    <cusip>46138B103</cusip>
    <value>409777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK             </nameOfIssuer>
    <titleOfClass>UNIT                </titleOfClass>
    <cusip>46138B103</cusip>
    <value>134734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK             </nameOfIssuer>
    <titleOfClass>UNIT                </titleOfClass>
    <cusip>46138B103</cusip>
    <value>340064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II            </nameOfIssuer>
    <titleOfClass>KBW BK ETF          </titleOfClass>
    <cusip>46138E628</cusip>
    <value>267500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5000</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>26216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1246</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>316547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II            </nameOfIssuer>
    <titleOfClass>S&amp;P 500 REVENUE     </titleOfClass>
    <cusip>46138G698</cusip>
    <value>333617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN      </titleOfClass>
    <cusip>46137V100</cusip>
    <value>564446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV      </titleOfClass>
    <cusip>46137V308</cusip>
    <value>337675</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>98568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT      </titleOfClass>
    <cusip>46137V357</cusip>
    <value>1403937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8546</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>579744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>69115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>13688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>65600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4374</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>74232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4426</Sole>
      <Shared>0</Shared>
      <None>536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>1064582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2046</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>4511000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>4510821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>9415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>3962240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>167689</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>INVESCO QQQ TR                          </nameOfIssuer>
    <titleOfClass>UNIT SER 1          </titleOfClass>
    <cusip>46090E103</cusip>
    <value>49210346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>102712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>2369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>116643</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>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>117000</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>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>258408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>77702</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>124179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3396</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>2835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVITATION HOMES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>46187W107</cusip>
    <value>25195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>2001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH     </titleOfClass>
    <cusip>464287556</cusip>
    <value>267657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>1417297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>699912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>321110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>5605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>121954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>697000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>8870726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>154839</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>3734391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>64884</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>240877</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>235718</Sole>
      <Shared>0</Shared>
      <None>5159</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF      </titleOfClass>
    <cusip>464287572</cusip>
    <value>227832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2359</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>217993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <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>487680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>79330462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>454312</Sole>
      <Shared>0</Shared>
      <None>382</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>73945271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>423828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>423828</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>56604000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>324433</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2469</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <None>963</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>28946</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>28496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>174386</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>165186</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>71244</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>209391217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200156</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1197731</Sole>
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      <None>2425</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>238</Sole>
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      <None>1961</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>24748918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>783299</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>777242</Sole>
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      <None>6057</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>26974</sshPrnamt>
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      <Sole>26974</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>20208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>20208</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>13433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1438</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>271762</sshPrnamt>
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      <None>199</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>256845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>191815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>2465</Sole>
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      <None>536</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>17013140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>1676746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>84196</sshPrnamt>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>14508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>987920</sshPrnamt>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2172</sshPrnamt>
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      <None>2105</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>151283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>767109</sshPrnamt>
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      <None>5626</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>65951824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>251106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>208840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>1699251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>21641</sshPrnamt>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>43708</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>8475</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
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      <sshPrnamt>1514758</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <cusip>464287622</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <cusip>464287630</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
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    <otherManager>13</otherManager>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>22</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <None>0</None>
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    <value>1277991</value>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>420</sshPrnamt>
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  <infoTable>
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    <cusip>482480100</cusip>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>CL A                </titleOfClass>
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      <None>127</None>
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    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
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    <titleOfClass>CL A                </titleOfClass>
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    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
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    <titleOfClass>CL A                </titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>CL A                </titleOfClass>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
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  <infoTable>
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    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
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      <sshPrnamt>83</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
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      <sshPrnamt>1649</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>498651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9989</sshPrnamt>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>49</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
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    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
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  <infoTable>
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    <nameOfIssuer>KRAFT HEINZ CO                          </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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    <cusip>G54950103</cusip>
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      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>40</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
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      <Sole>81</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>5530</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1560</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>725</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>15359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>16040261</value>
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      <sshPrnamt>36554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>35960</Sole>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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      <sshPrnamt>3085</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3085</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>6315354</value>
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      <sshPrnamt>14392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>238</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
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      <sshPrnamt>1718</sshPrnamt>
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    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>536797103</cusip>
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      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>85</sshPrnamt>
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    <nameOfIssuer>LITHIA MTRS INC                         </nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>70</sshPrnamt>
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      <sshPrnamt>181</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
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      <None>261</None>
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  <infoTable>
    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>MACERICH CO                             </nameOfIssuer>
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    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MACYS INC                               </nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>100</sshPrnamt>
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      <sshPrnamt>100</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>100</sshPrnamt>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MADISON SQUARE GRDN SPRT COR            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>240</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>34</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
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      <sshPrnamt>2284</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>2044</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>MAGNOLIA OIL &amp; GAS CORP                 </nameOfIssuer>
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      <sshPrnamt>9601</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <cusip>559663109</cusip>
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      <sshPrnamt>6264</sshPrnamt>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>51350</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>51350</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MAKEMYTRIP LIMITED MAURITIUS            </nameOfIssuer>
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      <sshPrnamt>9824</sshPrnamt>
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      <Sole>9824</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>768</Sole>
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  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
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      <sshPrnamt>723</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
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      <sshPrnamt>220</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>391</None>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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    <putCall>Call</putCall>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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      <sshPrnamt>1</sshPrnamt>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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      <sshPrnamt>43</sshPrnamt>
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    <putCall>Call</putCall>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
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      <None>0</None>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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    <value>163818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>1750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>490</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>1962</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1797</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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    <cusip>679295105</cusip>
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      <sshPrnamt>55</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>234</sshPrnamt>
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      <Sole>234</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>2002</value>
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      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1300</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>1700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>870</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>870</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>8244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5353</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLAPLEX HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>400705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2229</Sole>
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      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>248300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1406</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>171000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>970</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>406180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>113024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>88000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>496</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>10596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9</Sole>
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      <None>51</None>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8728</sshPrnamt>
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      <Sole>7878</Sole>
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      <None>850</None>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>138965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>787</None>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>427195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2419</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2419</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>552405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3128</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3107</Sole>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>280441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1588</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1588</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>3179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>18</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>69673</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>69337</Sole>
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      <None>336</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>3000019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97088</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>97088</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>176000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5695</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5695</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>36431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1179</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1179</Sole>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>2052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>650</Sole>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>21352</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>691</Sole>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>54228</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
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      <Sole>4275</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>10298</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>2668370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>86078</Sole>
      <Shared>0</Shared>
      <None>277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>8199748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>265097</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>2163</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>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>2346793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>75948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>4152960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>126050</Sole>
      <Shared>0</Shared>
      <None>8350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>5375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>25980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>19000</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>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>68368</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>15560</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>7000</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>240842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>10750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>55543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>196</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>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>109558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>34000</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>66068</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>15707</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>274000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>198892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2026</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>1547846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15477</Sole>
      <Shared>0</Shared>
      <None>290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>4418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>15511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>807841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8063</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>16244</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>16000</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>148375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC                                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>68134L109</cusip>
    <value>68165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA FLEX INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682095104</cusip>
    <value>16717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>155532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA FLEX INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>682095104</cusip>
    <value>70459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>20139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>48943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMEGA HEALTHCARE INVS INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681936100</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
    <value>64844039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>413234</Sole>
      <Shared>0</Shared>
      <None>46099</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>2584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>3827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>101</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>71844V201</cusip>
    <value>338614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10352</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71944F106</cusip>
    <value>1336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71944F106</cusip>
    <value>353468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16673</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71944F106</cusip>
    <value>353000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16673</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71944F106</cusip>
    <value>1950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71944F106</cusip>
    <value>1929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>91</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38</None>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
    <value>1523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
    <value>5938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>465</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
    <value>1834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
    <value>79562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72201B101</cusip>
    <value>1575960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>110130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR                            </nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC    </titleOfClass>
    <cusip>72201R833</cusip>
    <value>934938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>64032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>22411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>217629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>1121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PINNACLE FINL PARTNERS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72346Q104</cusip>
    <value>133187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>19248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>40787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>99294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>25205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>9166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>187589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>97766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>1280</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>723484101</cusip>
    <value>171855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>40985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>786</Sole>
      <Shared>0</Shared>
      <None>144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>147811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72352L106</cusip>
    <value>137000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <None>0</None>
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    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>187</None>
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  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
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      <Sole>26321</Sole>
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      <None>512</None>
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    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <Shared>0</Shared>
      <None>21</None>
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  <infoTable>
    <nameOfIssuer>PINTEREST INC                           </nameOfIssuer>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <otherManager>13</otherManager>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2</None>
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    <cusip>724078100</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>PIPER SANDLER COMPANIES                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>724078100</cusip>
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  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES                 </nameOfIssuer>
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    <cusip>724078100</cusip>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
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      <sshPrnamt>1028</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
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      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>275</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
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      <sshPrnamt>2064</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2048</Sole>
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      <None>16</None>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72703H101</cusip>
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      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>114</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
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    <cusip>72703H101</cusip>
    <value>21783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>296</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>98310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98310</None>
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  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>98310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>98310</None>
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  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
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      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>34</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>CLASS A COM         </titleOfClass>
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      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>382</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>1629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>787</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>787</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>33642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>16252</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
    <titleOfClass>CLASS A COM         </titleOfClass>
    <cusip>72815G108</cusip>
    <value>1383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>668</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC                         </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
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      <sshPrnamt>14080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>14048</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
    <value>28549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2273</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>R1 RCM INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>77634L105</cusip>
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      <sshPrnamt>4557</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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    <cusip>751212101</cusip>
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      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>751212101</cusip>
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      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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      <None>0</None>
    </votingAuthority>
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      <Sole>535</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>751212101</cusip>
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      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>359</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>751212101</cusip>
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      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>31</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>39</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>39</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>22</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
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      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
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      <sshPrnamt>1100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>75281A109</cusip>
    <value>87178</value>
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      <sshPrnamt>2600</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
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      <sshPrnamt>595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>595</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RANGE RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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  <infoTable>
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      <None>99844</None>
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  <infoTable>
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      <sshPrnamt>99844</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>99844</None>
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  <infoTable>
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      <sshPrnamt>61</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>61</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>34</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>34</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
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      <sshPrnamt>2165</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>607</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>781</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
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      <sshPrnamt>781</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3034</Sole>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
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      <None>37</None>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>43</None>
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  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>63</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>63</Sole>
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  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
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      <sshPrnamt>950</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1915</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYONIER INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>754907103</cusip>
    <value>15854</value>
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      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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    <cusip>808524508</cusip>
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    <shrsOrPrnAmt>
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    <cusip>808524797</cusip>
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      <sshPrnamt>243</sshPrnamt>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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    <value>5680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>892563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8472</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>104509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>100482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>917</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>31276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>33051</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>33000</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>60883</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>17047</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>109449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3146</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>167618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>1941</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>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>67278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>32668</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>97358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>474</Sole>
      <Shared>0</Shared>
      <None>1031</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>388</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>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>407676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1969</Sole>
      <Shared>0</Shared>
      <None>4333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI INVTS CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>784117103</cusip>
    <value>12744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>1788</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>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>1332</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>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>122000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>122465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>263721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7251</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>354351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>10107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>495152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>198698</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>346000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>346175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>395982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4484</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>788216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3763</Sole>
      <Shared>0</Shared>
      <None>1645</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1482861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>170965</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>860945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5907</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>194590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>305</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>897000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11715</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>897135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>11715</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>495779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6474</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>15316</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>1046389</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>277248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI CONS DISCR      </titleOfClass>
    <cusip>81369Y407</cusip>
    <value>1304000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7150</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>1304160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7150</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>1416518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7766</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>293482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1609</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>237355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1844</Sole>
      <Shared>0</Shared>
      <None>760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1182000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1182216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>12970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1896285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20804</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>909312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9426</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>282919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>2887000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>70216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>2886580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>70216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>729291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1686</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>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>621049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>293097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>2365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1509000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1508141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>12375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>603866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4955</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>238134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1954</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1598767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5137</Sole>
      <Shared>0</Shared>
      <None>1930</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>6168000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>27270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>6169292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>27270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>7931171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35058</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>3419693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>89515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1045</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>1840000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>1840405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>21485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>474556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>3855</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>505860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11390</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>385368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10033</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>639000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16633</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>253506</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>RL EST SEL SEC      </titleOfClass>
    <cusip>81369Y860</cusip>
    <value>798237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20782</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>2305</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>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>RL EST SEL SEC      </titleOfClass>
    <cusip>81369Y860</cusip>
    <value>1869261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>48386</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI INT-UTILS       </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>501442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5361</Sole>
      <Shared>0</Shared>
      <None>1998</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI INT-UTILS       </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>433000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6360</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>433370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6360</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>332523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4880</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>20442</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>SBI INT-UTILS       </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>6814</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>761</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>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>270774</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>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>266000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>532420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>145655</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>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>21000</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>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>16125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>9200</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>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>485187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5807</Sole>
      <Shared>0</Shared>
      <None>572</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>404563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>5232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>266666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>459098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>1260859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16995</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>1261000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16995</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>1706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>83093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>1087</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>594</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>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>3705</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>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>26081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>21000</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>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>49468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>12209</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>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>76517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3265</Sole>
      <Shared>0</Shared>
      <None>370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>2148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>102</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>3347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>15430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>3628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
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    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4585</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>7248030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18531</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>743147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1900</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>1508197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>1957666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7742</Sole>
      <Shared>0</Shared>
      <None>1363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>3227085</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>3227000</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>64503</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>9532253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>329396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>177168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>2097208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9456</Sole>
      <Shared>0</Shared>
      <None>298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK    </titleOfClass>
    <cusip>78463X509</cusip>
    <value>2595802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>68909</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>246114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK    </titleOfClass>
    <cusip>78463X509</cusip>
    <value>97377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV      </titleOfClass>
    <cusip>78463X533</cusip>
    <value>122456</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>3491805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>98918</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>172899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4898</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>7543081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>213685</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>6662905</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>95727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1714</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>119016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2131</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>2768390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>66660</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>745850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>17924</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>291</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>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>300744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12531</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>312144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>13006</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>312000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13006</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>1358472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>56603</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>76848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3202</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>1683192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69883</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>385657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10994</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>1178092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>14103</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>SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78464A284</cusip>
    <value>15205488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>597700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>597700</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>39074996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>71800</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>7075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
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      <None>0</None>
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    <cusip>78462F103</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>5266</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>574</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>78462F103</cusip>
    <value>168427383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309484</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>78462F103</cusip>
    <value>2447083</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>4309</None>
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  <infoTable>
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    <cusip>78462F103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>14239</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>26630</None>
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    <cusip>78467Y107</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>9913</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
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    <value>4430462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8280</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8255</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>
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    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5047</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>6201042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11589</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>720867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW    </titleOfClass>
    <cusip>78464A201</cusip>
    <value>2374973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27661</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>7299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL    </titleOfClass>
    <cusip>78464A300</cusip>
    <value>80190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1024</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL    </titleOfClass>
    <cusip>78464A300</cusip>
    <value>883885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11287</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>6187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>79</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF    </titleOfClass>
    <cusip>78464A359</cusip>
    <value>373271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5180</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>468390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>8009304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>245983</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>137761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>140452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4314</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>3336132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41634</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>2043000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>25502</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>2043475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>25502</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>5938114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>74106</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>24540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>24540</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>21368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>71333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>71333</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>
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    <shrsOrPrnAmt>
      <sshPrnamt>4275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4275</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>208364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>4823603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>98966</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>2523105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>51767</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>141346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>DJ REIT ETF         </titleOfClass>
    <cusip>78464A607</cusip>
    <value>1204807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>65</sshPrnamt>
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      <None>0</None>
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      <Sole>1210</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
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    <cusip>85571B105</cusip>
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      <sshPrnamt>4126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>4126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
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    <cusip>85571B105</cusip>
    <value>872</value>
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      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
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      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>STARWOOD PPTY TR INC                    </nameOfIssuer>
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    <cusip>85571B105</cusip>
    <value>68771</value>
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      <None>193</None>
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      <Sole>56885</Sole>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
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      <sshPrnamt>119</sshPrnamt>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP                          </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>252</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>34</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>196</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>24</Sole>
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  <infoTable>
    <nameOfIssuer>STEELCASE INC                           </nameOfIssuer>
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      <sshPrnamt>22063</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>22063</Sole>
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  <infoTable>
    <nameOfIssuer>STERICYCLE INC                          </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>TE CONNECTIVITY LTD                     </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>4604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3731</Sole>
      <Shared>0</Shared>
      <None>873</None>
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    <nameOfIssuer>TE CONNECTIVITY LTD                     </nameOfIssuer>
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      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>440</Sole>
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      <None>0</None>
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    <nameOfIssuer>TE CONNECTIVITY LTD                     </nameOfIssuer>
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      <sshPrnamt>13094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>13094</Sole>
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      <None>0</None>
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    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
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      <sshPrnamt>1419</sshPrnamt>
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      <Sole>1419</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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    <value>57530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>2200</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
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    <value>130750</value>
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      <sshPrnamt>5000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
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    <value>29680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>3345</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>2680</Sole>
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      <None>665</None>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>649</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>649</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
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    <cusip>G87110105</cusip>
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      <sshPrnamt>1390</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>1390</Sole>
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      <None>0</None>
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    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
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      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>10510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10510</None>
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    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>10510</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>10510</None>
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    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>TECHTARGET INC                          </nameOfIssuer>
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      <sshPrnamt>35</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>20</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>82</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>3352</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>1106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>TEGNA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1009</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>969</Sole>
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  <infoTable>
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      <sshPrnamt>9184</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8877</Sole>
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  <infoTable>
    <nameOfIssuer>TEGNA INC                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87901J105</cusip>
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      <sshPrnamt>141</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <cusip>87901J105</cusip>
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      <sshPrnamt>853</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <shrsOrPrnAmt>
      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>770</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>770</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>529</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>8</Sole>
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      <None>0</None>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1753</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>1722</None>
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      <sshPrnamt>6008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6008</None>
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    <nameOfIssuer>TEMPUS AI INC                           </nameOfIssuer>
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    <cusip>88023B103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6008</None>
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    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>148</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
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    <cusip>88033G407</cusip>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
    <value>146333</value>
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      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1100</Sole>
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      <None>0</None>
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    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
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    <cusip>88033G407</cusip>
    <value>49221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>370</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
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    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2</Sole>
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      <None>0</None>
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    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
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      <sshPrnamt>1326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>1224</Sole>
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      <None>102</None>
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  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
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    <cusip>88033G407</cusip>
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      <sshPrnamt>2255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>2255</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TENET HEALTHCARE CORP                   </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>88033G407</cusip>
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      <sshPrnamt>160</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>160</Sole>
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      <None>0</None>
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    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>6</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>24192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>24000</value>
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      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
    <value>36979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1070</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>3896</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>383</Sole>
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      <None>3513</None>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>44</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>88076W103</cusip>
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      <sshPrnamt>78</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>78</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>28</None>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>24</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>112700</value>
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      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>760</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>113000</value>
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      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>760</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>252093</value>
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      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>1700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
    <value>78594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>530</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>12605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>2172</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1535</Sole>
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      <None>637</None>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
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      <sshPrnamt>3</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880770102</cusip>
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      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>71</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>80</Sole>
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  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>153</Sole>
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  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
    <value>8000</value>
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      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>153</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>880779103</cusip>
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      <sshPrnamt>3766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3671</Sole>
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  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>6910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>126</Sole>
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  <infoTable>
    <nameOfIssuer>TEREX CORP NEW                          </nameOfIssuer>
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      <sshPrnamt>1195</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>1195</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORM PLC                                </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G89479102</cusip>
    <value>117473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>87432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>59846</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>60000</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>115017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>32729</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>37030</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>88273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>3273</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>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>2618</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>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>362258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3478</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1760424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31771</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1994498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>36290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>119000</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>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>24677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>40066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1057980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>12586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1123000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>19898</Sole>
      <Shared>535</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>91069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>5011143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>91178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>217092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>3950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1836159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>33303</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>3339425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>60761</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>963943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>17539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>3719858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>66513</Sole>
      <Shared>0</Shared>
      <None>1170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>368074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5252</Sole>
      <Shared>0</Shared>
      <None>268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>549510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7239</Sole>
      <Shared>0</Shared>
      <None>1002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>20871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>29939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>964000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>14458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>1636127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6455</Sole>
      <Shared>0</Shared>
      <None>18082</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>586584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>1208242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>5846702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>85832</Sole>
      <Shared>0</Shared>
      <None>1851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>313329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Shared>0</Shared>
      <None>8</None>
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      <sshPrnamt>191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>191</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
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    <cusip>G9460G101</cusip>
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      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>268498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3486</Sole>
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      <None>118</None>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>9834</value>
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      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>132</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>1786</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1786</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>91912E105</cusip>
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      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALE S A                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>91912E105</cusip>
    <value>69377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>6211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALE S A                                </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>91912E105</cusip>
    <value>21592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1933</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>21045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20890</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>4441795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>28335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1100000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>50633</value>
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      <sshPrnamt>323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>72893</value>
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      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,9</otherManager>
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      <Sole>465</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>58158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>371</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>2360806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>15060</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
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    <cusip>91913Y100</cusip>
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      <sshPrnamt>1040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1040</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>52895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>337</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
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      <sshPrnamt>11622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11312</Sole>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>241410</value>
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      <sshPrnamt>1540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>12695679</value>
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      <sshPrnamt>80988</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>80890</Sole>
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      <None>98</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>26560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>26560</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>5959858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>37886</Sole>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>98806</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>98117</Sole>
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      <None>689</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>2979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1758847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11220</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>7214095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46020</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>44724</Sole>
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      <None>1296</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>1</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>26</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>3604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>91913Y100</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>35679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>36000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>71357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>27445</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>128992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>1372</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>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>5763</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>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>75082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>898</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>827323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>498</Sole>
      <Shared>0</Shared>
      <None>18653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>827000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>498</Sole>
      <Shared>0</Shared>
      <None>18653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>64800</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>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>24451</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>194616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3387</Sole>
      <Shared>0</Shared>
      <None>1118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>2549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>11491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF     </titleOfClass>
    <cusip>92189F106</cusip>
    <value>20697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF     </titleOfClass>
    <cusip>92189F106</cusip>
    <value>610740</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>220545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF    </titleOfClass>
    <cusip>92189F676</cusip>
    <value>224202</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>115490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>443</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>568435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8087</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>4279065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>57138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>157344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>1379474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>2553749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>34100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>1952233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26068</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>127552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1663</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>3726086</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>3864000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>50374</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>267606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3489</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>4564647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>59198</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>4469923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>58278</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>76824177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1066262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1064624</Sole>
      <Shared>0</Shared>
      <None>1638</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>5925032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>82235</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>905957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>12574</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>126448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>1755</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>702488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>9750</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>6177000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>85734</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>2670821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>37069</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>97630848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1355043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1347445</Sole>
      <Shared>0</Shared>
      <None>7598</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>476123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4608</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>46040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>639</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>7069762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>98123</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>18771042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>260528</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>10561745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21118</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>1101286</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>1768000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3536</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>3065297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6129</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>192320490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>384486</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>690180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>4353632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8705</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>41981412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>83941</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP      </titleOfClass>
    <cusip>922908512</cusip>
    <value>138095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP      </titleOfClass>
    <cusip>922908512</cusip>
    <value>70552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP      </titleOfClass>
    <cusip>922908538</cusip>
    <value>16528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP      </titleOfClass>
    <cusip>922908538</cusip>
    <value>244022</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>6557152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>77970</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>3872644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>46235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>108553</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>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>13067</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>4550000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>48736</Sole>
      <Shared>0</Shared>
      <None>5590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>209484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>13127035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>156543</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>6459</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>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>566971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>7396929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88131</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF      </titleOfClass>
    <cusip>922908595</cusip>
    <value>1310681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4540</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF      </titleOfClass>
    <cusip>922908595</cusip>
    <value>419218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1676</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>176342</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>813857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4459</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>1420006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7780</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>1420000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7780</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>4390336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24054</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>627116</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>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SM CP VAL ETF       </titleOfClass>
    <cusip>922908611</cusip>
    <value>25370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>139</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>792137</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>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SM CP VAL ETF       </titleOfClass>
    <cusip>922908611</cusip>
    <value>913</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>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>1762730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>425370</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>624000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>623650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>1841171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>169470</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>1519904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>114825</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>2002452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>35696</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>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>512768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>21186170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55586</Sole>
      <Shared>0</Shared>
      <None>1060</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>62508</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>1295571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3068</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>2706710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7185</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>611804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>114693</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>1612121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>10050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>145000</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>30157</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>23113798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>141278</Sole>
      <Shared>0</Shared>
      <None>2814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>83134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>1254085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7196</Sole>
      <Shared>0</Shared>
      <None>622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>8209623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>50993</Sole>
      <Shared>0</Shared>
      <None>186</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>4598028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>1167168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5260</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>30090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>25511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>3845230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>17635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>1147000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>43693036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>200390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>180756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>185334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>15368767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>66686</Sole>
      <Shared>0</Shared>
      <None>3800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>2366393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>1307000</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>1306786</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>7265839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27161</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>28892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>13108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>7086607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22810</Sole>
      <Shared>0</Shared>
      <None>3681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>GLB EX US ETF       </titleOfClass>
    <cusip>922042676</cusip>
    <value>39312</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>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>GLB EX US ETF       </titleOfClass>
    <cusip>922042676</cusip>
    <value>1970241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>48564</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>12921545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>318500</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>2563000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>51086</Sole>
      <Shared>0</Shared>
      <None>12080</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>GLB EX US ETF       </titleOfClass>
    <cusip>922042676</cusip>
    <value>102318</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>1235559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>30455</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>530534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13077</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>237330</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>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF      </titleOfClass>
    <cusip>922042718</cusip>
    <value>474072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4035</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>226837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2014</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>12861445</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>944925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13060</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>70368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US       </titleOfClass>
    <cusip>922042775</cusip>
    <value>8501569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>135479</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>11579290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>263524</Sole>
      <Shared>0</Shared>
      <None>1085</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF    </titleOfClass>
    <cusip>922042858</cusip>
    <value>350430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>8008</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>2000</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>12515</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>29004872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>662817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>653205</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>121303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1351</Sole>
      <Shared>0</Shared>
      <None>1421</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF    </titleOfClass>
    <cusip>922042858</cusip>
    <value>17088192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>390498</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>65681091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1464251</Sole>
      <Shared>1310</Shared>
      <None>35378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>16002528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>319348</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>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>499</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>25005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>499</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>9076675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>181135</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>332079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6627</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>9469537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>175017</Sole>
      <Shared>0</Shared>
      <None>13958</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>2592617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>87847253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1514869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1514869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>86097000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1484682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1484682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>8235</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>1209000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>20844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>30749661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>530258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>411555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>7097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>10060047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>173479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>3803332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>65586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>207894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>61817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1066</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>73411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>950</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>2152032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27849</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>46365</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>879620</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>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX      </titleOfClass>
    <cusip>92206C664</cusip>
    <value>151645</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>2040086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21747</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>2115000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>22550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>2115416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>22550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>13556483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>144510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>2945954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>94280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>7411689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>127283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>18634</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>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>218071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>100404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>87345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>695332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>2396641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>31300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>395790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>5169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>5947000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>77671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>3550627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>46371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>174733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>181165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>439665</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>2983599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>10335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>10000</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>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>1755709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>3138377</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>91134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>981</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>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>9863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>235277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS     </titleOfClass>
    <cusip>92206C847</cusip>
    <value>6979</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 SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>393030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>16223766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>88873</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>1271461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>16156405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88504</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS                       </nameOfIssuer>
    <titleOfClass>VG TL INTL STK F    </titleOfClass>
    <cusip>921909768</cusip>
    <value>1397694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23179</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>7426294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>150269</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>538381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10453</Sole>
      <Shared>0</Shared>
      <None>441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>1256009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>25415</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>42897</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>517000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10453</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>24413</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>69414986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1404593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1403444</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>1730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35</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>36850665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>745663</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>184733131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3738024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3329711</Sole>
      <Shared>0</Shared>
      <None>408313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>22715932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>189671</Sole>
      <Shared>0</Shared>
      <None>1863</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>717530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>262343</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>720000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>2016</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>7038317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>59345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>864594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>8858353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>74691</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>2441974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25274</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>193240</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>1209648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>4164296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1981109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6343</Sole>
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    <cusip>92204A108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>34763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>30575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>39</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>7715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
    <value>898000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>14511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF      </titleOfClass>
    <cusip>92204A207</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>23381</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>3769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>ENERGY ETF          </titleOfClass>
    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>39247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>24562</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>23518</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>23518</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>23518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>126558</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>9071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>135168</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>31868</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>8074</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A504</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A504</cusip>
    <value>484386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>1821</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A504</cusip>
    <value>4909000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>18454</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>2761080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>44760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>44760</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF      </titleOfClass>
    <cusip>92204A504</cusip>
    <value>11725280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>43962</Sole>
      <Shared>0</Shared>
      <None>118</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>3943228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16764</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>1163633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>17406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>74</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>482436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>1164000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A603</cusip>
    <value>4519988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF      </titleOfClass>
    <cusip>92204A603</cusip>
    <value>144896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A603</cusip>
    <value>8798404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37379</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>22310573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38444</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>4896979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>59389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>53623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>4897000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>36801433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>63826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>1602920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2738</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>INF TECH ETF        </titleOfClass>
    <cusip>92204A702</cusip>
    <value>30991713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>53540</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>572689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>301081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1563</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>301000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>1014004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5264</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>37563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>195</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>MATERIALS ETF       </titleOfClass>
    <cusip>92204A801</cusip>
    <value>1902607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9847</Sole>
      <Shared>0</Shared>
      <None>30</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2914</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <value>260043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A876</cusip>
    <value>260000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A876</cusip>
    <value>1060438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>7169</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>UTILITIES ETF       </titleOfClass>
    <cusip>92204A876</cusip>
    <value>2219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>15</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A876</cusip>
    <value>2507096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11618</Sole>
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      <None>5331</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10925</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A884</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>8845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A884</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>8986</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A884</cusip>
    <value>6018610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>43550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
    <value>166807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>1028</Sole>
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      <None>179</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF       </titleOfClass>
    <cusip>92204A884</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>54872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>54830</Sole>
      <Shared>0</Shared>
      <None>42</None>
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  <infoTable>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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      <None>1047</None>
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  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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      <sshPrnamt>63648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>165</None>
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  <infoTable>
    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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      <None>2164</None>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>VISTEON CORP                            </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VISTEON CORP                            </nameOfIssuer>
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      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VISTEON CORP                            </nameOfIssuer>
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      <sshPrnamt>1331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>VISTEON CORP                            </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <None>0</None>
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      <sshPrnamt>602</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>67</None>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
    <value>185201</value>
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      <sshPrnamt>2154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>4150</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
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      <sshPrnamt>1235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
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    <value>20000</value>
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      <sshPrnamt>230</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
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      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>4627</sshPrnamt>
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      <None>388</None>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92840M102</cusip>
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      <sshPrnamt>24565</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>VIVID SEATS INC                         </nameOfIssuer>
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      <sshPrnamt>449</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VIVID SEATS INC                         </nameOfIssuer>
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      <sshPrnamt>90626</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VIVID SEATS INC                         </nameOfIssuer>
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      <sshPrnamt>89911</sshPrnamt>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>VIVID SEATS INC                         </nameOfIssuer>
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    <cusip>92854T100</cusip>
    <value>4000</value>
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      <sshPrnamt>715</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VIVID SEATS INC                         </nameOfIssuer>
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    <value>82662</value>
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  <infoTable>
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      <sshPrnamt>652</sshPrnamt>
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  <infoTable>
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  <infoTable>
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      <Sole>1262</Sole>
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  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
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      <sshPrnamt>4501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>1090</None>
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  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
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      <sshPrnamt>4501</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1090</None>
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  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
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      <sshPrnamt>7029</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5472</Sole>
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      <None>1557</None>
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  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
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      <sshPrnamt>2277</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2097</Sole>
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  <infoTable>
    <nameOfIssuer>VONTIER CORPORATION                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>27122</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
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  <infoTable>
    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
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      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>WATERS CORP                             </nameOfIssuer>
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    <cusip>941848103</cusip>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>942622200</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <cusip>942622200</cusip>
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      <sshPrnamt>16</sshPrnamt>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WAYFAIR INC                             </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>836</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>14715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>14715</None>
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  <infoTable>
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      <sshPrnamt>14715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>14715</None>
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  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>214</Sole>
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  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
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      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
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      <sshPrnamt>101</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
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      <sshPrnamt>101</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>228</Sole>
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  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
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      <sshPrnamt>286</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>WD 40 CO                                </nameOfIssuer>
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      <sshPrnamt>1366</sshPrnamt>
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      <Sole>1366</Sole>
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  <infoTable>
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      <sshPrnamt>338</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>326</Sole>
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      <None>12</None>
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  <infoTable>
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      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>2376</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>2039</Sole>
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  <infoTable>
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      <sshPrnamt>3847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <sshPrnamt>28</sshPrnamt>
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      <Shared>0</Shared>
      <None>0</None>
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    <votingAuthority>
      <Sole>422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <cusip>97650W108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>155</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
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      <None>0</None>
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      <None>0</None>
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      <None>56077</None>
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      <None>56077</None>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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    <cusip>97717W315</cusip>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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  <infoTable>
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    <titleOfClass>INTL SMCAP DIV      </titleOfClass>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>9595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>120308</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ    </titleOfClass>
    <cusip>97717X701</cusip>
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</SEC-DOCUMENT>
