<SEC-DOCUMENT>0000950123-24-012030.txt : 20241119
<SEC-HEADER>0000950123-24-012030.hdr.sgml : 20241119
<ACCEPTANCE-DATETIME>20241119111025
ACCESSION NUMBER:		0000950123-24-012030
CONFORMED SUBMISSION TYPE:	13F-HR/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241119
DATE AS OF CHANGE:		20241119
EFFECTIVENESS DATE:		20241119

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/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00267
		FILM NUMBER:		241473997

	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/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
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  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR/A</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0000036270</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2024</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2024</reportCalendarOrQuarter>
      <isAmendment>true</isAmendment>
      <amendmentNo>1</amendmentNo>
      <amendmentInfo>
        <amendmentType>RESTATEMENT</amendmentType>
        <confDeniedExpired>false</confDeniedExpired>
      </amendmentInfo>
      <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>Karin Meis</name>
      <title>Senior Vice President</title>
      <phone>302-651-8311</phone>
      <signature>/s/ Karin Meis</signature>
      <city>Wilmington</city>
      <stateOrCountry>DE</stateOrCountry>
      <signatureDate>11-18-2024</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>7</otherIncludedManagersCount>
      <tableEntryTotal>12380</tableEntryTotal>
      <tableValueTotal>30412826069</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-03980</form13FFileNumber>
            <name>Manufacturers &amp; Traders Trust Company</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>3</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-10909</form13FFileNumber>
            <name>Wilmington Trust Investment Advisors, Inc.</name>
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            <form13FFileNumber>028-14686</form13FFileNumber>
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        <otherManager2>
          <sequenceNumber>9</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-03742</form13FFileNumber>
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        <otherManager2>
          <sequenceNumber>13</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-06601</form13FFileNumber>
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          <otherManager>
            <form13FFileNumber>028-12629</form13FFileNumber>
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        <otherManager2>
          <sequenceNumber>16</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-23418</form13FFileNumber>
            <name>Wilmington Trust Asset Management, LLC</name>
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    </summaryPage>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>37563.xml
<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
<TEXT>
<XML>
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  <infoTable>
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    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <nameOfIssuer>ALBANY INTL CORP                        </nameOfIssuer>
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    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
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    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
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      <sshPrnamt>5639</sshPrnamt>
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    <value>65313</value>
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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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      <sshPrnamtType>SH</sshPrnamtType>
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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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      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>4517</None>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>322055</sshPrnamt>
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      <None>21439</None>
    </votingAuthority>
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    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>43</Sole>
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      <None>5</None>
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  <infoTable>
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    <cusip>78473E103</cusip>
    <value>3030</value>
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      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>19</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>78473E103</cusip>
    <value>70322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>158</None>
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      <None>0</None>
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    <cusip>78473E103</cusip>
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      <Sole>36999</Sole>
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      <None>0</None>
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      <sshPrnamt>58</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <sshPrnamt>27507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27507</None>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>79546E104</cusip>
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      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>141</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>79546E104</cusip>
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      <sshPrnamt>589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>565</None>
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  <infoTable>
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      <sshPrnamt>9055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>9055</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>48459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>46843</Sole>
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      <None>1616</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>18886</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>18544</Sole>
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      <None>342</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>7014</value>
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      <sshPrnamt>45</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>45</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>5360</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1337</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>804</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
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      <sshPrnamt>191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>191</Sole>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>61247</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
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      <sshPrnamt>4953</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>291</None>
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  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
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      <sshPrnamt>9382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>178</sshPrnamt>
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      <Sole>178</Sole>
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  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
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  <infoTable>
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      <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>
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  <infoTable>
    <nameOfIssuer>ARCOSA INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>039653100</cusip>
    <value>758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVIS BUDGET GROUP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053774105</cusip>
    <value>13401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVIS BUDGET GROUP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053774105</cusip>
    <value>12263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVIS BUDGET GROUP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053774105</cusip>
    <value>21898</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>AVIS BUDGET GROUP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053774105</cusip>
    <value>7007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVIS BUDGET GROUP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053774105</cusip>
    <value>167998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1862</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVIS BUDGET GROUP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053774105</cusip>
    <value>96875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVIS BUDGET GROUP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>053774105</cusip>
    <value>13576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEUTSCHE BANK A G                       </nameOfIssuer>
    <titleOfClass>NAMEN AKT           </titleOfClass>
    <cusip>D18190898</cusip>
    <value>154751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEUTSCHE BANK A G                       </nameOfIssuer>
    <titleOfClass>NAMEN AKT           </titleOfClass>
    <cusip>D18190898</cusip>
    <value>93145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4406</Sole>
      <Shared>0</Shared>
      <None>975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADIENT PLC                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0084W101</cusip>
    <value>3273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADIENT PLC                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0084W101</cusip>
    <value>348436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15171</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADIENT PLC                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0084W101</cusip>
    <value>2754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADIENT PLC                              </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0084W101</cusip>
    <value>2076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>43431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>58587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>58000</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>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>150549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>31480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>329518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1883</Sole>
      <Shared>0</Shared>
      <None>378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>1646279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>11296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>255571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>88034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7744</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>76000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>189222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>16701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>41524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>6775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>20054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>1052534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>92898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>23215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>1205795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>106425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>2362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>64123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>64000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>128596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>27119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>124000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>123697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>753115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7927</Sole>
      <Shared>0</Shared>
      <None>682</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>356394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4074</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>514907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>1683241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4846</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>705474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2035</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>19375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>761178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>202404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>326000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>15224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>3904497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11146</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>805465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1786</Sole>
      <Shared>0</Shared>
      <None>542</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>3544668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10156</Sole>
      <Shared>0</Shared>
      <None>89</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>1257307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1726</Sole>
      <Shared>0</Shared>
      <None>9512</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>346828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3092</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>23830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>444164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>115796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>346000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>3180860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28201</Sole>
      <Shared>0</Shared>
      <None>230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>731695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>2410455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21334</Sole>
      <Shared>0</Shared>
      <None>211</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>35704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>5248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>47712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>11928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>112000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>107113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1347</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>508371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6204</Sole>
      <Shared>0</Shared>
      <None>189</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>312911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>560457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7029</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>6695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>47300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>47000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>98075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>27323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>75890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1936</Sole>
      <Shared>0</Shared>
      <None>161</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>11762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>10261524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28846</Sole>
      <Shared>0</Shared>
      <None>184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>4752892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12870</Sole>
      <Shared>0</Shared>
      <None>576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>2449000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6928</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>8130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>61152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,9</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>37469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>2527382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>648636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>74938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1092000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>111700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>12771939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>32771</Sole>
      <Shared>0</Shared>
      <None>3361</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>3975236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>9906</Sole>
      <Shared>0</Shared>
      <None>1340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>5890037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>13005</Sole>
      <Shared>0</Shared>
      <None>3658</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>15774398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42352</Sole>
      <Shared>0</Shared>
      <None>2274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>384586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>19483111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>50791</Sole>
      <Shared>0</Shared>
      <None>4327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>776949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>3395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>19098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>59416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>9549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>219287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5151</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>1740</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>CAPRI HOLDINGS LIMITED                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>24870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>542</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>419267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>419000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>28836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>327</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIMPRESS PLC                            </nameOfIssuer>
    <titleOfClass>SHS EURO            </titleOfClass>
    <cusip>G2143T103</cusip>
    <value>492</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>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>18460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>35500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>10686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>22677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>2968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLARIVATE PLC                           </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G21810109</cusip>
    <value>1796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDICORP LTD                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G2519Y108</cusip>
    <value>1078762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>522775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>292316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>278000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>2471243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>26647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>186871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>715211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>25504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>114534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1193</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>22995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>158681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
      <Shared>0</Shared>
      <None>1858</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>159000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>325710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G25839104</cusip>
    <value>182464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2273</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>825948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2432</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>2030070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5896</Sole>
      <Shared>0</Shared>
      <None>229</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>713000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>1517332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>387453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>1385000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>166051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>404</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>16192501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>48380</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>2339966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G29183103</cusip>
    <value>8648264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24053</Sole>
      <Shared>0</Shared>
      <None>2040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>2573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>12864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>2573</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>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>2251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSTAR GROUP LIMITED                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3075P101</cusip>
    <value>294255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>45844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>184160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>54856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>9012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>537199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1259</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>21551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>83068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>79933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLUTTER ENTMT PLC                       </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3643J108</cusip>
    <value>21118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLUTTER ENTMT PLC                       </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3643J108</cusip>
    <value>448199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1906</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>29396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>24570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>33345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>4388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>82748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4645</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G39108108</cusip>
    <value>2773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>47000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>47052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>88026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>23722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENPACT LIMITED                         </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENIUS SPORTS LIMITED                   </nameOfIssuer>
    <titleOfClass>SHARES CL A         </titleOfClass>
    <cusip>G3934V109</cusip>
    <value>531000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>67736</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENIUS SPORTS LIMITED                   </nameOfIssuer>
    <titleOfClass>SHARES CL A         </titleOfClass>
    <cusip>G3934V109</cusip>
    <value>531050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>67736</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENIUS SPORTS LIMITED                   </nameOfIssuer>
    <titleOfClass>SHARES CL A         </titleOfClass>
    <cusip>G3934V109</cusip>
    <value>8342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>1242866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>327070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>9295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED                   </nameOfIssuer>
    <titleOfClass>CLASS A ORD         </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>21519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5663</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>49130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>455099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>29018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>442000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>3239995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>863654</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>2914760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10068</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>401085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>21570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>16559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>169585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1855</Sole>
      <Shared>0</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>283972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>84156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>81127</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>16067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>64375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3655</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>87660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4456</Sole>
      <Shared>0</Shared>
      <None>536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>42224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>33646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>33000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>79101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>21168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>30000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>29635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>112301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1003</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>5905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>12812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>5457923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>69795</Sole>
      <Shared>0</Shared>
      <None>530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>6986918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>88647</Sole>
      <Shared>0</Shared>
      <None>1379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>1305000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16816</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>52620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>88475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>2835171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>36531</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>156307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>150163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>3632000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>45966</Sole>
      <Shared>830</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>185643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>2392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>20154463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>242817</Sole>
      <Shared>0</Shared>
      <None>16872</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>1171368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>8344</Sole>
      <Shared>0</Shared>
      <None>6749</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>7676871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>80538</Sole>
      <Shared>0</Shared>
      <None>18378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>13894441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>177758</Sole>
      <Shared>0</Shared>
      <None>1271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>2103386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>6919164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>79373</Sole>
      <Shared>0</Shared>
      <None>9780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>13430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>23800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>1020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS INTL            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G52694109</cusip>
    <value>383000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS INTL            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G52694109</cusip>
    <value>382822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS INTL            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G52694109</cusip>
    <value>1524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS INTL            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G52694109</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINIKSA PHARMACEUTICALS INTL            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G52694109</cusip>
    <value>575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1905056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3852</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1681885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3269</Sole>
      <Shared>0</Shared>
      <None>258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1264000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>19074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>2613193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>686678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>8583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>345000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>51024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>18402504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>37907</Sole>
      <Shared>0</Shared>
      <None>684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1627046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>8460927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17506</Sole>
      <Shared>0</Shared>
      <None>237</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>832598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>3108106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33240</Sole>
      <Shared>0</Shared>
      <None>1283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>4596662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>49641</Sole>
      <Shared>0</Shared>
      <None>1416</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>828000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>36012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>63201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>702</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2874298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>31926</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>358319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>19097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2874000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>31426</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>112988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>7561440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>83593</Sole>
      <Shared>0</Shared>
      <None>395</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>216882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2752577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>30479</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>10359572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>110758</Sole>
      <Shared>0</Shared>
      <None>4310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1748203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>19418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>12920385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>128085</Sole>
      <Shared>0</Shared>
      <None>15427</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>703765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>7497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>14229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>93</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>178801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2444</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>196875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2181</Sole>
      <Shared>0</Shared>
      <None>553</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>94000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>226832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>51127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>123000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>534530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>7163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>224095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>591922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>8177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>462592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5830</Sole>
      <Shared>0</Shared>
      <None>594</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>85404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6095L109</cusip>
    <value>386406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3954</Sole>
      <Shared>0</Shared>
      <None>1412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>18849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>53511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2609</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>51000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>97423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>27278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>279469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13604</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>573090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>23628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>5017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>11723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>1282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>80260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4929</Sole>
      <Shared>0</Shared>
      <None>206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>10753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>79947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
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      <None>868</None>
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    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <Sole>59295</Sole>
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      <None>284</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>54425</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>784</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>11075</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11075</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
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      <sshPrnamt>343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>343</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
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      <sshPrnamt>659</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>659</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>16666</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>16666</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>394</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>394</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>182</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>29457</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>29032</Sole>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>1387</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>169896</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>9911</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>149154</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>148570</Sole>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>21879</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>21879</Sole>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
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      <sshPrnamt>2</sshPrnamt>
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    <putCall>Call</putCall>
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      <Sole>2</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>15</value>
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      <sshPrnamt>1</sshPrnamt>
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    <putCall>Call</putCall>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <value>540</value>
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      <sshPrnamt>36</sshPrnamt>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>36</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>1020</value>
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      <sshPrnamt>68</sshPrnamt>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>68</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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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>
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      <sshPrnamt>60077</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>60077</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>5600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5500</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>905</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>900</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>900</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>900</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1864</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1864</Sole>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>564</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <value>212204</value>
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      <sshPrnamt>2170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1949</Sole>
      <Shared>0</Shared>
      <None>221</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>4890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>2061315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5629</Sole>
      <Shared>0</Shared>
      <None>15450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>8717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>12530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>157447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>49032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>915809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3352</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>22064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>51756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>3716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>24234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>34620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>16560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>16445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>10548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>7921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>71036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>71000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>114575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>17398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>39000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>38729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>147051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5180</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>5715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>202</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>18530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>77438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>677</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>6024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>952144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8516</Sole>
      <Shared>0</Shared>
      <None>177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>110516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>107120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>922</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>100866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>74130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>74000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>3120157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>62468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>33487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>307244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6150</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>23227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>198155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>378362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1558</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>121000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>18433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>266794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>67911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>380000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>122968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>462</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>3017925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12180</Sole>
      <Shared>0</Shared>
      <None>263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>924562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>2420064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9823</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>375361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2471</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>15703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>679304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3676</Sole>
      <Shared>0</Shared>
      <None>823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>4379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>2127902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14093</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>43673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>64054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2433</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>58000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>131150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>29771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>153000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4933</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>8105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>46584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECNOGLASS INC                          </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87264100</cusip>
    <value>5630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECNOGLASS INC                          </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87264100</cusip>
    <value>9132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECNOGLASS INC                          </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87264100</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECNOGLASS INC                          </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87264100</cusip>
    <value>210168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3061</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECNOGLASS INC                          </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87264100</cusip>
    <value>9200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECNOGLASS INC                          </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87264100</cusip>
    <value>75938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORM PLC                                </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G89479102</cusip>
    <value>256425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>103596</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>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>3143271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8057</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>2167170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5452</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1642000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>18659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>141886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,9</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1030135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>260449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>82000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>200196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>8581603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>22016</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>7381983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>18990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>5580997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>14299</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>5774195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14541</Sole>
      <Shared>0</Shared>
      <None>313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1338009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>3534333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8845</Sole>
      <Shared>0</Shared>
      <None>247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>86687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>301836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>137850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>4126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>66</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>4572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>221885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3675</Sole>
      <Shared>0</Shared>
      <None>305</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>5352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>99124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>5089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>50886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>8481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>134000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>3392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>16962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>88064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>299</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>338710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>94250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>20912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>2462565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>228850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>690967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>21206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>273391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>323827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>1824763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</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>645000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>347843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>4268086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42651</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>371060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>3054737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28456</Sole>
      <Shared>0</Shared>
      <None>2070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>3866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>85043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>77000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>158973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>31891</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>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>169893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>798</Sole>
      <Shared>0</Shared>
      <None>960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>1546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>16236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>2341727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8052</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>16438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>1311309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4547</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>355873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>125153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>42000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>28551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>98</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>13840701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46799</Sole>
      <Shared>0</Shared>
      <None>1194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>1141159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2495</Sole>
      <Shared>0</Shared>
      <None>1462</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>12552752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>43293</Sole>
      <Shared>0</Shared>
      <None>234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>443255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1537</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>77805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>174094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>986</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>132000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>306292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>87135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>24468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>120000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>78157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>383</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>2524622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14175</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>83790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>1786352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>45592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>44974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>726</Sole>
      <Shared>0</Shared>
      <None>729</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>360194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>6679</Sole>
      <Shared>0</Shared>
      <None>4974</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>14528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>5112885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>165230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>360000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>1753184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>56719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>446619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>14449</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>1548127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>49797</Sole>
      <Shared>0</Shared>
      <None>288</None>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>727618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>23514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>56074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>49535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>99070</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>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>29721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>38439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>193</Sole>
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      <None>1</None>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>L44385109</cusip>
    <value>2774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>14</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>184</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>700</Sole>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>58</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>597019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1620</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>865</Sole>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
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      <Sole>1</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9483</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9446</Sole>
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      <None>37</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>4022</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6891</Sole>
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      <None>50</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1113</Sole>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1884</Sole>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2007</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2007</Sole>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
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      <Sole>1411</Sole>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNYTE SOFTWARE LTD                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>M25133105</cusip>
    <value>123979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>137640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>472</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>117810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>158927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>476</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>195962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>672</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>26388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>251104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>17222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>128052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>251000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>1740785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>527207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>1574956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5631</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>9851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>113948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>155814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>1636</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>371208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>836283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8829</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>749092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>851</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>914075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>789</Sole>
      <Shared>0</Shared>
      <None>308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>19998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>577000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>6169383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7314</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>1644836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>4375396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5160</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>2533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>30704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>65246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>15736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>81135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>944</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>19727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>111302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>44000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>44400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>130980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>11800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>18815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>80859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>523232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1030</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>33378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>524000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>5221042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11071</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>1831549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>4478738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9527</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9443</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>247806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2472</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>157660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1312</Sole>
      <Shared>0</Shared>
      <None>332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
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    <cusip>N53745100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>72884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>17000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>11508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>426947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3905</Sole>
      <Shared>0</Shared>
      <None>547</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
    <titleOfClass>SHS - A -           </titleOfClass>
    <cusip>N53745100</cusip>
    <value>4028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
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    <cusip>N53745100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4893</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4817</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N             </nameOfIssuer>
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    <cusip>N53745100</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWAMSTERDAM PHARMA COMPANY             </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>N62509109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>13664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13664</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWAMSTERDAM PHARMA COMPANY             </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>N62509109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>13664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13664</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>71523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>26401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>703469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2660</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>8160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>34</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
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    <value>838115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3492</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3424</Sole>
      <Shared>0</Shared>
      <None>68</None>
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  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>299772</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1249</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>3554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>73231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1273</Sole>
      <Shared>0</Shared>
      <None>334</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>58000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1273</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>3456955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>76453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>33676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>234412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>N72482149</cusip>
    <value>957</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>
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      <None>0</None>
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      <None>0</None>
    </votingAuthority>
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      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
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      <sshPrnamt>1281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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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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    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
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      <sshPrnamt>665</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
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      <Sole>814</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
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    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
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      <sshPrnamt>44767</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC                        </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ACV AUCTIONS 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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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>2711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2058</Sole>
      <Shared>0</Shared>
      <None>653</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>3924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
    <value>51738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>489</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>4400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>54220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>47000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>117870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>35361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>110000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>103097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>473052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2932</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>7544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC DEL              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00790R104</cusip>
    <value>282888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1746</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>820564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4693</Sole>
      <Shared>0</Shared>
      <None>308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1567784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8990</Sole>
      <Shared>0</Shared>
      <None>565</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>3022025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>781841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>51685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>7947379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46133</Sole>
      <Shared>0</Shared>
      <None>2303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>1405837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007903107</cusip>
    <value>3582030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21669</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>3578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>1317921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>21258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>3052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>007973100</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>7419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>29474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>3609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>693931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>7018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>182656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>9023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008073108</cusip>
    <value>235387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>356</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>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>65786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>20447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>008252108</cusip>
    <value>233451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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      <None>4</None>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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    </votingAuthority>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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    <nameOfIssuer>ATI INC                                 </nameOfIssuer>
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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>
    <nameOfIssuer>ALLISON TRANSMISSION HLDGS I            </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>
    <nameOfIssuer>APA CORPORATION                         </nameOfIssuer>
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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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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC                 </nameOfIssuer>
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    <cusip>05550J101</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>
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    <value>533000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>66944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>4502079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>16042</Sole>
      <Shared>0</Shared>
      <None>569</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>187824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>1261374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4034</Sole>
      <Shared>0</Shared>
      <None>620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>117898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>11979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>50380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>100593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>29844</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>149888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3267</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>653523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15657</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>12769G100</cusip>
    <value>39486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU            </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>128125101</cusip>
    <value>780750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>3706</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>67571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>147</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>49000</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>163060</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>46077</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>84000</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>84124</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>323525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2619</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>244836</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>364537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>1142035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMECO CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13321L108</cusip>
    <value>74028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMECO CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>13321L108</cusip>
    <value>151447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>17269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>63890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>64000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>112516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>36445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>390479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6915</Sole>
      <Shared>0</Shared>
      <None>1067</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>9197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>1383702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26285</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>134429109</cusip>
    <value>16241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</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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  <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>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
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    <titleOfClass>SHS BEN INT         </titleOfClass>
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    <titleOfClass>SHS BEN INT         </titleOfClass>
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    <cusip>22002T108</cusip>
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  <infoTable>
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      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>36997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>6385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTY INC                                </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>222070203</cusip>
    <value>33738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3593</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>51457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>412391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16798</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>145000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>18314</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>2562578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>104382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUPANG INC                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>22266T109</cusip>
    <value>74755</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>268000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10919</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>516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>21</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>2718765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>110744</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>1430578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>58272</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>2200466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88948</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>5188</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>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>25058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>25000</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>54037</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>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>19457</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>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>78000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2648</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>78063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2648</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>362427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11962</Sole>
      <Shared>0</Shared>
      <None>332</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>222795502</cusip>
    <value>271924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9224</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>400722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13593</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>383328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13003</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>22159</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>22000</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>79140</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>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>22159</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>81000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>81198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>264486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1576</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>224408104</cusip>
    <value>230772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <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>357871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>2244</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>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>945229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>429</Sole>
      <Shared>0</Shared>
      <None>16420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>224441105</cusip>
    <value>940000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>16420</None>
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      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <None>58</None>
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      <None>0</None>
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    <cusip>253868103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <titleOfClass>COM                 </titleOfClass>
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    <value>890389</value>
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    <cusip>253868103</cusip>
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      <None>0</None>
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    <titleOfClass>US EQUITY MARKET    </titleOfClass>
    <cusip>25434V401</cusip>
    <value>1025989</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <titleOfClass>US SMALL CAP ETF    </titleOfClass>
    <cusip>25434V500</cusip>
    <value>294659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4543</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <titleOfClass>US TARGETED VLU     </titleOfClass>
    <cusip>25434V609</cusip>
    <value>560584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10077</sshPrnamt>
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    <votingAuthority>
      <Sole>10077</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US CORE EQUITY 2    </titleOfClass>
    <cusip>25434V708</cusip>
    <value>2237697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>65258</Sole>
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      <None>0</None>
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    <titleOfClass>US MKTWIDE VALUE    </titleOfClass>
    <cusip>25434V724</cusip>
    <value>967416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>23205</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL     </titleOfClass>
    <cusip>25434V807</cusip>
    <value>2327907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>61132</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>WORLD EX US CORE    </titleOfClass>
    <cusip>25434V880</cusip>
    <value>808950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29950</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>29950</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <None>7317</None>
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    <cusip>25525P107</cusip>
    <value>746</value>
    <shrsOrPrnAmt>
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    <cusip>25525P107</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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      <None>0</None>
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    <nameOfIssuer>DROPBOX INC                             </nameOfIssuer>
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      <sshPrnamt>395</sshPrnamt>
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      <Sole>395</Sole>
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      <None>0</None>
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      <Sole>3362</Sole>
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      <None>0</None>
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      <sshPrnamt>101</sshPrnamt>
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      <Sole>101</Sole>
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      <None>0</None>
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      <Shared>0</Shared>
      <None>623</None>
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      <sshPrnamt>28934</sshPrnamt>
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      <None>17</None>
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    <cusip>26441C204</cusip>
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      <sshPrnamt>5770</sshPrnamt>
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      <Sole>5770</Sole>
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      <None>0</None>
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    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
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      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <cusip>26441C204</cusip>
    <value>61455</value>
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      <sshPrnamt>533</sshPrnamt>
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    <cusip>26441C204</cusip>
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      <sshPrnamt>133</sshPrnamt>
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    <cusip>26441C204</cusip>
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      <Sole>21800</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2280</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>149</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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      <sshPrnamt>13959</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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    <cusip>26441C204</cusip>
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      <sshPrnamt>941</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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      <sshPrnamt>61430</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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    <cusip>26441C204</cusip>
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      <sshPrnamt>1854</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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      <sshPrnamt>22859</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>68091</sshPrnamt>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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      <sshPrnamt>80709</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>4454</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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    <putCall>Call</putCall>
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      <Sole>2</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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    <cusip>26441C204</cusip>
    <value>195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
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      <Sole>1</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
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    <cusip>26441C204</cusip>
    <value>7410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
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      <Sole>38</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
    <value>13650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
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      <Sole>70</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>26441C204</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
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      <Sole>3</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC                            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12</Sole>
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      <None>1</None>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC                            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25</Sole>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC                            </nameOfIssuer>
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    <cusip>26603R106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>105</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC                            </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>26603R106</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC                            </nameOfIssuer>
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      <sshPrnamt>368</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>367</Sole>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC                            </nameOfIssuer>
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      <sshPrnamt>354</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>354</Sole>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC                            </nameOfIssuer>
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      <sshPrnamt>55</sshPrnamt>
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      <Sole>55</Sole>
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      <None>0</None>
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      <Shared>0</Shared>
      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>2214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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    <nameOfIssuer>ENCORE CAP GROUP INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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    <titleOfClass>COM                 </titleOfClass>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <sshPrnamt>1076</sshPrnamt>
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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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    <nameOfIssuer>ENDAVA PLC                              </nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ENDAVA PLC                              </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
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      <sshPrnamt>5636</sshPrnamt>
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      <sshPrnamt>553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    </votingAuthority>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <sshPrnamt>1230</sshPrnamt>
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    <nameOfIssuer>ENCOMPASS HEALTH CORP                   </nameOfIssuer>
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      <sshPrnamt>260</sshPrnamt>
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    <nameOfIssuer>ENCOMPASS HEALTH CORP                   </nameOfIssuer>
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      <sshPrnamt>156</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC NEW                 </nameOfIssuer>
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  <infoTable>
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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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      <Sole>97459</Sole>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P                     </nameOfIssuer>
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      <sshPrnamt>74489</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>
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    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
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    <nameOfIssuer>FIRST SOLAR INC                         </nameOfIssuer>
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    <cusip>336433107</cusip>
    <value>323025</value>
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  <infoTable>
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  <infoTable>
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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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      <None>0</None>
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  <infoTable>
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      <None>0</None>
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      <None>0</None>
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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>
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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>
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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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      <None>0</None>
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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>2308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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      <None>2</None>
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    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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      <sshPrnamt>440</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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      <sshPrnamt>950</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>350</Sole>
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  <infoTable>
    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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      <sshPrnamt>150</sshPrnamt>
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    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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    <nameOfIssuer>IAC INC                                 </nameOfIssuer>
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    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
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      <Sole>31</Sole>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ICF INTL INC                            </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ICF INTL 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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      <sshPrnamt>4</sshPrnamt>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>2226</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ITT INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>472</sshPrnamt>
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  <infoTable>
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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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      <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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      <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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    <cusip>464287242</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>9900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH     </titleOfClass>
    <cusip>464287556</cusip>
    <value>291346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH     </titleOfClass>
    <cusip>464287556</cusip>
    <value>278096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>1539855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>95570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>140304</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>95000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>9410828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>142783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>4293641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>64844</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>COHEN STEER REIT    </titleOfClass>
    <cusip>464287564</cusip>
    <value>15177228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>227786</Sole>
      <Shared>0</Shared>
      <None>2486</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF      </titleOfClass>
    <cusip>464287572</cusip>
    <value>233918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>235855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE    </titleOfClass>
    <cusip>464287580</cusip>
    <value>527640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>88284141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>464972</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>69206584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>364629</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>52277000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>275433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>468616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1506</Sole>
      <Shared>0</Shared>
      <None>963</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>3112720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>16400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>227760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>2496250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>13152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>1575340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>31531000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>157202</Sole>
      <Shared>625</Shared>
      <None>8300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>13890323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>73184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>303680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>231709169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1220407</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>26982158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>142113</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF    </titleOfClass>
    <cusip>464287598</cusip>
    <value>151303625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>797174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>792019</Sole>
      <Shared>0</Shared>
      <None>5155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>2584612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>1907364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>1112353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
    <cusip>464287606</cusip>
    <value>123002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>115282201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>307038</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>94805597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>252534</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>72040000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>191815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>1304821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2886</Sole>
      <Shared>0</Shared>
      <None>590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>4825135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>12854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>236489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>6940776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>18490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>1726748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>29835000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>73664</Sole>
      <Shared>225</Shared>
      <None>5550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>5302618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>14126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>337842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>380046724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1012432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1012225</Sole>
      <Shared>0</Shared>
      <None>207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>57917756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>154267</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF    </titleOfClass>
    <cusip>464287614</cusip>
    <value>291385722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>776242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>773323</Sole>
      <Shared>0</Shared>
      <None>2919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>69788921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>220724</Sole>
      <Shared>0</Shared>
      <None>1258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>71767692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>228276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>58489000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>186040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>1725372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>5488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>455866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
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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>3799089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>12084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>13529000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>43031</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>2461045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7333</Sole>
      <Shared>0</Shared>
      <None>495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>475974513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1513962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1511155</Sole>
      <Shared>0</Shared>
      <None>2807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>147763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>470</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>20443524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>64685</Sole>
      <Shared>0</Shared>
      <None>341</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 1000 ETF        </titleOfClass>
    <cusip>464287622</cusip>
    <value>258703357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>822874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>822874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>350016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>349227</Sole>
      <Shared>0</Shared>
      <None>789</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
    <value>718160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <None>636</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
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      <None>5</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>66385</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF    </titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>352399</sshPrnamt>
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      <None>7917</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>40217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>45</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF    </titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>495</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>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>6095843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>90042</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>1504633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>22225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF     </titleOfClass>
    <cusip>464288273</cusip>
    <value>2676858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>39196</Sole>
      <Shared>0</Shared>
      <None>344</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG    </titleOfClass>
    <cusip>464288281</cusip>
    <value>34625</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG    </titleOfClass>
    <cusip>464288281</cusip>
    <value>196424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>250</Sole>
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      <None>1849</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GLB INFRASTR ETF    </titleOfClass>
    <cusip>464288372</cusip>
    <value>411328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>7557</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MRGSTR MD CP VAL    </titleOfClass>
    <cusip>464288406</cusip>
    <value>1092886</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>5614867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51688</sshPrnamt>
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    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51686</Sole>
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      <None>2</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>16372496</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>108630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
    <cusip>464288414</cusip>
    <value>8526803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>66621</Sole>
      <Shared>0</Shared>
      <None>11873</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF    </titleOfClass>
    <cusip>464288448</cusip>
    <value>143744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>4755</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF    </titleOfClass>
    <cusip>464288448</cusip>
    <value>78598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>2600</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>2290959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28530</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>217587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>2710</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>3505898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>42727</Sole>
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      <None>933</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>6745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</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>IBOXX HI YD ETF     </titleOfClass>
    <cusip>464288513</cusip>
    <value>1973774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24580</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI KLD400 SOC     </titleOfClass>
    <cusip>464288570</cusip>
    <value>242819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2232</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>2810778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29337</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24749</Sole>
      <Shared>0</Shared>
      <None>4588</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>2108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>22</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>178686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1865</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MBS ETF             </titleOfClass>
    <cusip>464288588</cusip>
    <value>93798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>979</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>3324170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27838</Sole>
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      <None>3200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>556492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5196</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>59000</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>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>575000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5371</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5371</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>77648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>725</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF    </titleOfClass>
    <cusip>464288612</cusip>
    <value>2453447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>22908</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF    </titleOfClass>
    <cusip>464288620</cusip>
    <value>808786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15382</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF    </titleOfClass>
    <cusip>464288620</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>159606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>159606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF    </titleOfClass>
    <cusip>464288620</cusip>
    <value>123090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>2341</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS     </titleOfClass>
    <cusip>464288646</cusip>
    <value>6319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>120</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS     </titleOfClass>
    <cusip>464288646</cusip>
    <value>373728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>7097</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS     </titleOfClass>
    <cusip>464288646</cusip>
    <value>5266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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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>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>5132</None>
    </votingAuthority>
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    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>21425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>122185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>649</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>497266106</cusip>
    <value>2326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIRBY CORP                              </nameOfIssuer>
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    <cusip>497266106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>232373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8239</Sole>
      <Shared>0</Shared>
      <None>510</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>130914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4929</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>82044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3089</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR                      </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>49803T300</cusip>
    <value>509474</value>
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      <sshPrnamt>19182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>19182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>44</None>
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  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>52919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>0</Shared>
      <None>287</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>3844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KNIFE RIVER CORP                        </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
    <value>6601988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>73856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>9657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>32640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>32000</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>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>109788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2035</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>26705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
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      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>126351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2338</Sole>
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      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>4802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>96517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>516248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9569</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>115698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3205</Sole>
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      <None>331</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>71951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2199</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>72000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2199</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>114095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>55493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1696</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KORN FERRY                              </nameOfIssuer>
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    <value>9555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
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      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KORN FERRY                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>500643200</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>79</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KORN FERRY                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>500643200</cusip>
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      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>38</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KORN FERRY                              </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KORN FERRY                              </nameOfIssuer>
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    <cusip>500643200</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2375</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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  <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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      <sshPrnamt>100</sshPrnamt>
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  <infoTable>
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  <infoTable>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>245</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MASTEC INC                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MASTEC INC                              </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MASTEC INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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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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      <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>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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      <Sole>61652</Sole>
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  <infoTable>
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    <titleOfClass>CL A                </titleOfClass>
    <cusip>57636Q104</cusip>
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      <sshPrnamt>21710</sshPrnamt>
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      <Sole>20944</Sole>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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      <sshPrnamt>27546</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25392</Sole>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1272</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>593</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>707</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>56833</value>
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      <sshPrnamt>1150</sshPrnamt>
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      <Sole>1150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>576485205</cusip>
    <value>16803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>340</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>207</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>5471</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5446</Sole>
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      <None>25</None>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>11169</value>
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      <sshPrnamt>226</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>226</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MATADOR RES CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1232</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1232</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
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      <sshPrnamt>71</sshPrnamt>
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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>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1101</Sole>
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  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
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      <sshPrnamt>1101</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1101</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>3392</sshPrnamt>
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      <Sole>3392</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>497</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>497</Sole>
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  <infoTable>
    <nameOfIssuer>MATCH GROUP INC NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>MAXCYTE INC                             </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MAXCYTE 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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    <nameOfIssuer>NOV INC                                 </nameOfIssuer>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>NATIONAL STORAGE AFFILIATES             </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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      <sshPrnamt>1763</sshPrnamt>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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    <cusip>637870106</cusip>
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    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>637870106</cusip>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>NCINO INC                               </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>NCINO 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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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>48717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>3670478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>220980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>3594000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>216361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>55000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>3317</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>1531774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>92220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>17640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>26162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>26162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>129375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
    <value>3887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>182964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3032</Sole>
      <Shared>0</Shared>
      <None>775</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>314889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>13937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUTRIEN LTD                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67077M108</cusip>
    <value>196517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3789</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>58289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>20797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>21000</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>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>90777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>32611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>102181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
    <value>53859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>1313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>670837103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR                         </nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGCP    </titleOfClass>
    <cusip>67092P201</cusip>
    <value>463389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5608</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3489</Sole>
      <Shared>0</Shared>
      <None>877</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>322000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
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    <cusip>67103H107</cusip>
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      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <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>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1992</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
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      <sshPrnamt>3078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>590771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>506</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67103H107</cusip>
    <value>656412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>90143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1708</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>200645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>208</None>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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    <cusip>674599105</cusip>
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      <None>15411</None>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>490</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>50</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>1984</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>64</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>192681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
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    <cusip>679580100</cusip>
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      <sshPrnamt>970</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
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      <sshPrnamt>565</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
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    <cusip>679580100</cusip>
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      <sshPrnamt>52</sshPrnamt>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>10329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>2016792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10153</sshPrnamt>
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      <Sole>9378</Sole>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1268</sshPrnamt>
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      <Sole>1268</Sole>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>630881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3176</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3155</Sole>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>744503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3748</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>3748</Sole>
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  <infoTable>
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      <sshPrnamt>67299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>66729</Sole>
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      <None>570</None>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>79783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>79768</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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      <sshPrnamt>5695</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <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>
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    <shrsOrPrnAmt>
      <sshPrnamt>2336</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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      <sshPrnamt>39571</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
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      <sshPrnamt>3576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>3576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>235165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>234890</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>252934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>7141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>3118058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>87754</Sole>
      <Shared>0</Shared>
      <None>277</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>9280748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>261753</Sole>
      <Shared>0</Shared>
      <None>267</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>680223104</cusip>
    <value>2722240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>76856</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>4630705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>120843</Sole>
      <Shared>0</Shared>
      <None>9894</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>24902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>519</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>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>69571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>15833</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>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>119</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>206650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4290</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>10172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLIN CORP                               </nameOfIssuer>
    <titleOfClass>COM PAR $1          </titleOfClass>
    <cusip>680665205</cusip>
    <value>58536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>194</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>108670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1116</Sole>
      <Shared>0</Shared>
      <None>2</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>65416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>15552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>267000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>193331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1985</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>1526720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15291</Sole>
      <Shared>0</Shared>
      <None>416</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681116109</cusip>
    <value>15358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <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>791111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7973</Sole>
      <Shared>0</Shared>
      <None>166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>3564577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33913</Sole>
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      <None>564</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>3062619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>28484</Sole>
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      <None>1138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2960</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>2960</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
    <value>37014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
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      <Sole>358</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
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      <sshPrnamt>1292</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
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      <sshPrnamt>544</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>544</Sole>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>994</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>994</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>15099</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>14664</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>113729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
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      <Sole>1100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>79068</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>73263</Sole>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>681919106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>793</None>
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      <Sole>56849</Sole>
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      <None>1462</None>
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    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70450Y103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>957</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC                        </nameOfIssuer>
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    <cusip>70450Y103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>51668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>51234</Sole>
      <Shared>0</Shared>
      <None>434</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>470</None>
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    <nameOfIssuer>PEARSON PLC                             </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>3585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>3585</None>
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    <shrsOrPrnAmt>
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      <None>0</None>
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    <cusip>705015105</cusip>
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      <sshPrnamt>7289</sshPrnamt>
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      <Sole>7289</Sole>
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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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      <Sole>166</Sole>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>18</None>
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  <infoTable>
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      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>69</Sole>
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      <None>145</None>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PEBBLEBROOK HOTEL TR                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>70509V100</cusip>
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      <sshPrnamt>196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>196</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PEBBLEBROOK HOTEL TR                    </nameOfIssuer>
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    <value>142024</value>
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      <sshPrnamt>136</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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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1500</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
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    <cusip>70614W100</cusip>
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      <sshPrnamt>5885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>5580</Sole>
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      <None>305</None>
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  <infoTable>
    <nameOfIssuer>PELOTON INTERACTIVE INC                 </nameOfIssuer>
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      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>17671</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>4804</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>879</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <cusip>706327103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
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      <sshPrnamt>29222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
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      <sshPrnamt>587</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>587</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PEMBINA PIPELINE CORP                   </nameOfIssuer>
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      <sshPrnamt>77793</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>77793</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1070</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <cusip>707569109</cusip>
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      <sshPrnamt>1043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>2532</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>2503</Sole>
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  <infoTable>
    <nameOfIssuer>PENN ENTERTAINMENT INC                  </nameOfIssuer>
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    <value>73328</value>
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      <sshPrnamt>3888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3888</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PENN ENTERTAINMENT INC                  </nameOfIssuer>
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      <sshPrnamt>789</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>789</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>5</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <None>17</None>
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      <None>0</None>
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  <infoTable>
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      <None>316</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS EDISON &amp; CO INC                </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
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    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
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    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>718546104</cusip>
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  <infoTable>
    <nameOfIssuer>PHOTRONICS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>719405102</cusip>
    <value>5026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHOTRONICS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>719405102</cusip>
    <value>6908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>279</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHOTRONICS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>719405102</cusip>
    <value>1337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>54</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHOTRONICS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>719405102</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279</sshPrnamt>
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    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>279</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHOTRONICS INC                          </nameOfIssuer>
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    <cusip>719405102</cusip>
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      <sshPrnamt>6734</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>PHOTRONICS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>7898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>319</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PHOTRONICS INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>719405102</cusip>
    <value>57121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2307</sshPrnamt>
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      <Sole>2307</Sole>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
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      <None>7</None>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>17244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>17244</None>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>17244</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>17244</None>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>71944F106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>485</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>384</Sole>
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  <infoTable>
    <nameOfIssuer>PHREESIA INC                            </nameOfIssuer>
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      <sshPrnamt>91</sshPrnamt>
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    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
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    <cusip>720190206</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
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    <cusip>720190206</cusip>
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      <sshPrnamt>299</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>299</Sole>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
    <value>8777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
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    <votingAuthority>
      <Sole>404</Sole>
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      <None>465</None>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
    <value>2555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>253</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PIEDMONT OFFICE REALTY TR IN            </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>720190206</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10974</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>10974</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>126310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>126310</Sole>
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      <sshPrnamt>13228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13228</Sole>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>14154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>14154</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PDD HOLDINGS INC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>722304102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>5</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PDD HOLDINGS INC                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>722304102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1671</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
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    <titleOfClass>CL A                </titleOfClass>
    <cusip>72703H101</cusip>
    <value>175110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2140</Sole>
      <Shared>0</Shared>
      <None>16</None>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72703H101</cusip>
    <value>10153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>72703H101</cusip>
    <value>25747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
    <value>1119751</value>
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      <sshPrnamt>98310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98310</None>
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  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
    <value>1120000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98310</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLAYAGS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>72814N104</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>7000</value>
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      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>7458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>7894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3166</Sole>
      <Shared>0</Shared>
      <None>327</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PLUG POWER INC                          </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>72919P202</cusip>
    <value>9038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>24223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>29134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>29000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>58268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>7908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>97391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>14151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>5275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>70085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>57000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>169560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>45216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>57650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>150000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>136778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>920522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2312</Sole>
      <Shared>0</Shared>
      <None>131</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>15072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>40</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>516593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1327</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>84026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>21057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>658674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POPULAR INC                             </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>733174700</cusip>
    <value>2406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>84975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1760</Sole>
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      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>7281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>152</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>736508847</cusip>
    <value>3114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>65</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
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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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      <None>0</None>
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      <sshPrnamt>4858</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>8450</Sole>
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      <None>0</None>
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      <sshPrnamt>1920</sshPrnamt>
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      <sshPrnamt>239</sshPrnamt>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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      <Sole>29101</Sole>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>31975</sshPrnamt>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
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      <sshPrnamt>1512</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1357</Sole>
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  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
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    <cusip>770323103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ROBERT HALF INC.                        </nameOfIssuer>
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      <sshPrnamt>1970</sshPrnamt>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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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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    <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>72918</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>10955200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>200281</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>2347717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>9456</Sole>
      <Shared>0</Shared>
      <None>203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK    </titleOfClass>
    <cusip>78463X509</cusip>
    <value>2535294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>61417</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>130677</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>3469445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>92101</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>49837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1323</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>8184184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>217260</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>6880031</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>807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14</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>122895</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>3382187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>71159</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>340655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12356</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>32533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1180</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>33000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1180</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>1465621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>53160</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>88279</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>1926674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>69883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>1581764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42113</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>3089855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33185</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>1025257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11809</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>300616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3925</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>497835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>8568239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>227679</Sole>
      <Shared>0</Shared>
      <None>26496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>5158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>134874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>7753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>230</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>3394734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40930</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>2105000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>25381</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>2105100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>25381</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>8097100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>97626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
    <value>177017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
    <value>647023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>3728374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>70533</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>290000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5485</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>289937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>5485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>5637783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>106655</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>153294</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>DJ REIT ETF         </titleOfClass>
    <cusip>78464A607</cusip>
    <value>1326120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>12425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>DJ REIT ETF         </titleOfClass>
    <cusip>78464A607</cusip>
    <value>248147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>6229306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43856</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>20454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>1847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>861757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>700257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500    </titleOfClass>
    <cusip>78464A805</cusip>
    <value>393037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P SEMICNDCTR      </titleOfClass>
    <cusip>78464A862</cusip>
    <value>1364140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH         </titleOfClass>
    <cusip>78464A870</cusip>
    <value>513859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>18256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>78366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>78000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1050</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>46752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>2603</Sole>
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      <None>210</None>
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  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>33</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>75</Sole>
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      <None>17</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE             </nameOfIssuer>
    <titleOfClass>UT SER 1            </titleOfClass>
    <cusip>78467X109</cusip>
    <value>7724479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18256</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE             </nameOfIssuer>
    <titleOfClass>UT SER 1            </titleOfClass>
    <cusip>78467X109</cusip>
    <value>803928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1900</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE             </nameOfIssuer>
    <titleOfClass>UT SER 1            </titleOfClass>
    <cusip>78467X109</cusip>
    <value>1631551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <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>9693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9502</Sole>
      <Shared>0</Shared>
      <None>191</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>4564116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7987</Sole>
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      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
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    <cusip>78467Y107</cusip>
    <value>1990392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3494</Sole>
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      <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>6601790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11589</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO    </titleOfClass>
    <cusip>78468R663</cusip>
    <value>242470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>2641</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO    </titleOfClass>
    <cusip>78468R663</cusip>
    <value>190598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2076</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH    </titleOfClass>
    <cusip>78468R739</cusip>
    <value>52954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR                             </nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH    </titleOfClass>
    <cusip>78468R739</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>34979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>34979</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>358</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>1898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>69434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3294</Sole>
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      <None>437</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>461491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>24798</Sole>
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      <None>0</None>
    </votingAuthority>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SANOFI                                  </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
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      <None>151</None>
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  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>3165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
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      <sshPrnamt>1087</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
    <titleOfClass>SPON ADR            </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>12737</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SAP SE                                  </nameOfIssuer>
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      <sshPrnamt>885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>9081</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8759</Sole>
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      <None>322</None>
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  <infoTable>
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      <sshPrnamt>21</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>19</Sole>
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      <None>2</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>550</Sole>
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      <None>61</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
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      <sshPrnamt>550</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC                </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>315</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>2</sshPrnamt>
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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>794</sshPrnamt>
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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>475</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC                        </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD                        </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
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    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
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    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
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    <cusip>808513105</cusip>
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      <sshPrnamt>18390</sshPrnamt>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
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    <cusip>808513105</cusip>
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      <sshPrnamt>132327</sshPrnamt>
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    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
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    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
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  <infoTable>
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    <cusip>808524797</cusip>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ      </titleOfClass>
    <cusip>808524797</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>42000</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC 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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    <titleOfClass>CL A                </titleOfClass>
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  <infoTable>
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    <titleOfClass>CL A                </titleOfClass>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>156407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1799</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>2601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>21328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>61093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>376366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>25173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>378911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>376000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>2704422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>754334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>2347666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24745</Sole>
      <Shared>0</Shared>
      <None>156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>32634</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>34485</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>34000</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>63525</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>17787</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>115107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>174893</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>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>216855</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>378000</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>377810</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>645842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>800904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3763</Sole>
      <Shared>0</Shared>
      <None>1437</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>5231597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>180665</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>909796</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>210903</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>972000</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>972345</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>1022809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12323</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>16600</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>1134112</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>304562</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>1432000</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>1432646</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>2529271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12623</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>322395</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>228631</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>1139000</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>1138766</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>3877599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>44164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>875893</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>310895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>3182000</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>3182189</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>815397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1858</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>684649</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>325733</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>1676000</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>1676070</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>2136701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>264650</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>1370363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4997</Sole>
      <Shared>0</Shared>
      <None>1073</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>6157000</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>6156475</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>12746861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>56462</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>3412588</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>94468</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>1942000</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>1942244</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>1929498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>4068</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>579147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11185</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>252117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5644</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>547000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12244</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>294822</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>926590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20743</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>2680</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>2099937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>47010</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>550839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5361</Sole>
      <Shared>0</Shared>
      <None>1458</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI INT-UTILS       </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>514000</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>513761</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>1443700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17872</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>8078</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>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>1778</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>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>121801</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>261978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7205</Sole>
      <Shared>0</Shared>
      <None>308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>352431</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>486820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>1422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>298977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3560</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>293000</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>593773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>160151</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>23000</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>17730</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>585494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6446</Sole>
      <Shared>0</Shared>
      <None>555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>444828</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>268536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>484218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>321</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>1363339</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>1363000</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>2808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>94178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>1129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81725T100</cusip>
    <value>642</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>7583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>29637</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>24000</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>56212</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>15070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>6000</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>118691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4592</Sole>
      <Shared>0</Shared>
      <None>370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>70947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC                         </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>81730H109</cusip>
    <value>21050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>4025</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>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>108529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1310</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>68000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>139706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>817565104</cusip>
    <value>38676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <otherManager>14</otherManager>
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      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>81000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>142384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>34579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>49224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>40681</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>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
    <value>21154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>52</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>63400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>55767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>56000</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>106678</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>30356</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>34345</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>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>73807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>828</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>1561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>336859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3488</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1976938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30738</Sole>
      <Shared>0</Shared>
      <None>513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>2255599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>35656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>137000</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>28404</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>52949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1198777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>14487</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>1283000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>19740</Sole>
      <Shared>535</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>87489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>1383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>5701814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>90133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>171814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>2156660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>33986</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>3353729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>53015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>1134378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>17932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>3997399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>61758</Sole>
      <Shared>0</Shared>
      <None>1432</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>2530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>4785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
    <value>84464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473</sshPrnamt>
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    <nameOfIssuer>UIPATH INC                              </nameOfIssuer>
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    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
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    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
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    <nameOfIssuer>ULTA BEAUTY INC                         </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>ULTA BEAUTY 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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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>1450</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>8699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>35154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>801469</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>801000</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>62775</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>23687</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>87467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2049</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>2469</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>10881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF     </titleOfClass>
    <cusip>92189F106</cusip>
    <value>24290</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>716760</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>258830</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>211087</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>118798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>484</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>426423</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>16141692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>81499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>1379488</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>17322526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>87461</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>1500608</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 WORLD FD                       </nameOfIssuer>
    <titleOfClass>ESG US STK ETF      </titleOfClass>
    <cusip>921910733</cusip>
    <value>2569102</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>203300</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>1309482</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 ADMIRAL FDS INC                </nameOfIssuer>
    <titleOfClass>500 GRTH IDX F      </titleOfClass>
    <cusip>921932505</cusip>
    <value>61807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC                </nameOfIssuer>
    <titleOfClass>500 GRTH IDX F      </titleOfClass>
    <cusip>921932505</cusip>
    <value>138461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>401</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>607900</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>4655491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>59404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>164655</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>1417400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>2672417</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>2042949</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>130861</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>3822760</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>3898000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>49534</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>208450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2649</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>4694724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>59346</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>4585896</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>80800559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1074385</Sole>
      <Shared>0</Shared>
      <None>1378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>6176671</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>941429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>12534</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>743889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>9904</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>6373000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>84843</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>2717330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>36178</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>103169819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1373583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1362145</Sole>
      <Shared>0</Shared>
      <None>11438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>45216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>602</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>7778992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>102765</Sole>
      <Shared>0</Shared>
      <None>803</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>19606489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>261037</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>7817887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>148038</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>528945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9575</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>1342166</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>45839</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>506000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9575</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>26088</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>68341896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1294109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1292960</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>39314510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>744452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>744452</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>197091720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3732091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3324710</Sole>
      <Shared>0</Shared>
      <None>407381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>23398295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>180651</Sole>
      <Shared>0</Shared>
      <None>1863</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>775610</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>283578</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>778000</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>2179</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>7401499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>57734</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>898682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>8740035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>68175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS                    </nameOfIssuer>
    <titleOfClass>STRM INFPROIDX      </titleOfClass>
    <cusip>922020805</cusip>
    <value>472143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>4529065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1075576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>14300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1076000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>11819423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>34714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>174666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>10243681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30086</sshPrnamt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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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>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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      <Sole>51</Sole>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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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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    <shrsOrPrnAmt>
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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>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>30401</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>504799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10761</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>152664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1212</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>512153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4066</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>241076</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>13668782</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>1000440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12826</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>9133677</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>12204956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>253982</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>353612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>7390</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>13685</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>27049414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>555684</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>18670400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>390100</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF    </titleOfClass>
    <cusip>922042858</cusip>
    <value>71178167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1487527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1450839</Sole>
      <Shared>1310</Shared>
      <None>35378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>2128261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>89397240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1514694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1514694</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>87626000</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>10092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>1222000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>20713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>35433188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>600359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>418865</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>10133793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>171701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>4191246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>71014</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>211587</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>79382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1345</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>75449</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>2211768</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>47652</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>997883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX      </titleOfClass>
    <cusip>92206C664</cusip>
    <value>165316</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>2099020</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>2557000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>26493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>2557104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>26493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>14735805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>152671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>10410789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>166174</Sole>
      <Shared>0</Shared>
      <None>6133</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>6223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>146579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>74981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>145975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>756720</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>2931133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>35175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>283405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>3401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>6888000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>82664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>3957258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>47489</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>190159</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>197159</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>478481</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>3153349</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>1855599</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>3316933</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>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>456467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>170414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>166000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>339989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>90244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>41</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>
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    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6957</Sole>
      <Shared>0</Shared>
      <None>627</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>94</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3922</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>77790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>965</Sole>
      <Shared>0</Shared>
      <None>248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>249915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3040</Sole>
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      <None>857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>284481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4436</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>75994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>1185</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>103000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>1608</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>7197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>250</Sole>
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      <None>6947</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>2962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2962</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>509128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>41</Sole>
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      <None>7898</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>534524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>6695</Sole>
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      <None>1640</None>
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  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>80740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1259</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>374712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4463</Sole>
      <Shared>0</Shared>
      <None>1380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>2238650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>34908</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>16204222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>316984</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>481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>481</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>24589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>481</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>9828178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>192257</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>643754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12593</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>9202980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>166069</Sole>
      <Shared>0</Shared>
      <None>13958</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>11344377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21499</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>1161929</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>1832000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3472</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>3200319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>6065</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>176647558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>334769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>334769</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>4593367</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>43635671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>82695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP      </titleOfClass>
    <cusip>922908512</cusip>
    <value>153921</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>78637</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>17530</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>258809</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>6010619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>61698</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>4927504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>15198</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>5608000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>51972</Sole>
      <Shared>0</Shared>
      <None>5590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>135609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>14722110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>151120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>676679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>8707594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>89100</Sole>
      <Shared>0</Shared>
      <None>282</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF      </titleOfClass>
    <cusip>922908595</cusip>
    <value>1388452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4539</Sole>
      <Shared>0</Shared>
      <None>654</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF      </titleOfClass>
    <cusip>922908595</cusip>
    <value>401322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1501</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>156411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>585</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>1044859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5204</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>1637361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8155</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>1637000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8155</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>5362031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26706</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>27908</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>871385</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>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>1920946</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>463549</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>680000</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>679626</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>2158129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>184681</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>1656325</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>121113</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>2102897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7987</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>37650</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>EXTEND MKT ETF      </titleOfClass>
    <cusip>922908652</cusip>
    <value>2730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF      </titleOfClass>
    <cusip>922908652</cusip>
    <value>200189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>526368</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>35126140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>91152</Sole>
      <Shared>0</Shared>
      <None>339</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>2176499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>3176637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8274</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>665810</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>124818</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>1754429</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>158000</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>32819</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>31713783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>180520</Sole>
      <Shared>0</Shared>
      <None>1148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>1764379</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>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>9114300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>52210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>4945354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>22061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>3558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>1260443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>42688786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>179962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>201629</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>18033416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>72223</Sole>
      <Shared>0</Shared>
      <None>3800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>2445087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>1384000</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>1383237</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>7719225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>27261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>13875</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>7334410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>22291</Sole>
      <Shared>0</Shared>
      <None>3611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERACYTE INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92337F107</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>SH BEN INT          </titleOfClass>
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      <sshPrnamt>1927</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VORNADO RLTY TR                         </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1368</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1368</Sole>
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  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
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      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
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    <shrsOrPrnAmt>
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      <Sole>213</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>VOYA FINANCIAL 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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  <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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      <sshPrnamt>10268</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>224</sshPrnamt>
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  <infoTable>
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      <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>
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  <infoTable>
    <nameOfIssuer>WILLSCOT HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>88360</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>
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  <infoTable>
    <nameOfIssuer>WILLSCOT HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>17860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>380474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8176</Sole>
      <Shared>0</Shared>
      <None>1943</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLSCOT HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>6091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLSCOT HLDGS CORP                     </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>971378104</cusip>
    <value>7182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>4161</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>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>41608</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>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>42000</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>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>145628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>43688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>88209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>208040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINGSTOP INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>974155103</cusip>
    <value>11650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>43846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>17473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>159</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>65118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>16822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>144000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>126980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>636311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5838</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>377901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97650W108</cusip>
    <value>592574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97717P104</cusip>
    <value>532000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>97717P104</cusip>
    <value>532357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US HIGH DIVIDEND    </titleOfClass>
    <cusip>97717W208</cusip>
    <value>189007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US HIGH DIVIDEND    </titleOfClass>
    <cusip>97717W208</cusip>
    <value>126067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US LARGECAP DIVD    </titleOfClass>
    <cusip>97717W307</cusip>
    <value>169140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US LARGECAP DIVD    </titleOfClass>
    <cusip>97717W307</cusip>
    <value>447006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4740</Sole>
      <Shared>0</Shared>
      <None>950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>15536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>317312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>317000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>1858938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42239</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>191444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>9134452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>207554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>196854</Sole>
      <Shared>0</Shared>
      <None>10700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US LARGECAP FUND    </titleOfClass>
    <cusip>97717W588</cusip>
    <value>355737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>20551108</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <None>28</None>
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    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>19</Sole>
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      <None>599</None>
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    <nameOfIssuer>WOODWARD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1356</sshPrnamt>
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    <otherManager>9</otherManager>
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      <None>0</None>
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    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
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      <sshPrnamt>455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>448</Sole>
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      <None>7</None>
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    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>1046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>5</None>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>2400</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>68</Sole>
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      <None>0</None>
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    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
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      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
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      <sshPrnamt>5604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5444</Sole>
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      <None>160</None>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
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    <cusip>98138H101</cusip>
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      <sshPrnamt>817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>256</Sole>
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      <None>561</None>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC                             </nameOfIssuer>
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    <value>1167791</value>
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      <sshPrnamt>4778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>4736</Sole>
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      <None>42</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WORTHINGTON ENTERPRISES INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>9011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
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      <None>9005</None>
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  <infoTable>
    <nameOfIssuer>WORTHINGTON ENTERPRISES INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>981811102</cusip>
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      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>18</Sole>
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      <None>80</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WORTHINGTON STL INC                     </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>6</Sole>
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      <None>9000</None>
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  <infoTable>
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      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC            </nameOfIssuer>
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      <sshPrnamt>359</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>26</Sole>
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  <infoTable>
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    <cusip>98311A105</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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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>238</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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      <sshPrnamt>583</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>1168</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
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      <sshPrnamt>325</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
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      <sshPrnamt>1246</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>WYNN RESORTS LTD                        </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
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      <None>25</None>
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  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>589</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>XPO INC                                 </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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</SEC-DOCUMENT>
