<SEC-DOCUMENT>0000950123-25-003895.txt : 20250430
<SEC-HEADER>0000950123-25-003895.hdr.sgml : 20250430
<ACCEPTANCE-DATETIME>20250430084015
ACCESSION NUMBER:		0000950123-25-003895
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250331
FILED AS OF DATE:		20250430
DATE AS OF CHANGE:		20250430
EFFECTIVENESS DATE:		20250430

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
		EIN:				160968385
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00267
		FILM NUMBER:		25891198

	BUSINESS ADDRESS:	
		STREET 1:		C/O LEGAL
		STREET 2:		ONE M&T PLAZA
		CITY:			BUFFALO
		STATE:			NY
		ZIP:			14203
		BUSINESS PHONE:		7165593172

	MAIL ADDRESS:	
		STREET 1:		C/O LEGAL
		STREET 2:		ONE M&T PLAZA
		CITY:			BUFFALO
		STATE:			NY
		ZIP:			14203

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST EMPIRE STATE CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
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          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2025</periodOfReport>
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      <reportCalendarOrQuarter>03-31-2025</reportCalendarOrQuarter>
      <filingManager>
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        <address>
          <ns1:street1>C/O LEGAL</ns1:street1>
          <ns1:street2>ONE M&amp;T PLAZA</ns1:street2>
          <ns1:city>BUFFALO</ns1:city>
          <ns1:stateOrCountry>NY</ns1:stateOrCountry>
          <ns1:zipCode>14203</ns1:zipCode>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Karin Meis</name>
      <title>Senior Vice President</title>
      <phone>302-651-8311</phone>
      <signature>Karin Meis</signature>
      <city>Wilmington</city>
      <stateOrCountry>DE</stateOrCountry>
      <signatureDate>04-29-2025</signatureDate>
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      <tableEntryTotal>12560</tableEntryTotal>
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      <isConfidentialOmitted>false</isConfidentialOmitted>
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<TYPE>INFORMATION TABLE
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>2965</Sole>
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           <None>0</None>
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       <nameOfIssuer>AMCOR PLC</nameOfIssuer>
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           <sshPrnamt>1895</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <Sole>1770</Sole>
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           <None>125</None>
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   <infoTable>
       <nameOfIssuer>AMCOR PLC</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0250X107</cusip>
       <value>946400</value>
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           <sshPrnamt>97567</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>97496</Sole>
           <Shared>0</Shared>
           <None>71</None>
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   <infoTable>
       <nameOfIssuer>AMCOR PLC</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0250X107</cusip>
       <value>11601</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1196</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>1196</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMCOR PLC</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0250X107</cusip>
       <value>1028918</value>
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           <sshPrnamt>106074</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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           <None>0</None>
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       <nameOfIssuer>AMCOR PLC</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0250X107</cusip>
       <value>404606</value>
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           <sshPrnamt>41712</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>13</otherManager>
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           <Sole>41712</Sole>
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           <None>0</None>
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           <sshPrnamt>21</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>21</Sole>
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           <None>0</None>
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       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
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           <sshPrnamt>355</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>352</Sole>
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           <None>3</None>
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       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>25000</value>
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           <sshPrnamt>270</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>97905</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1070</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <Sole>1070</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>28365</value>
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           <sshPrnamt>310</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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           <Sole>310</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>117000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1281</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <Sole>1281</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>109709</value>
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           <sshPrnamt>1199</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <Sole>1199</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>602070</value>
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           <sshPrnamt>6580</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>5755</Sole>
           <Shared>0</Shared>
           <None>825</None>
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   <infoTable>
       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>293349</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3206</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>3206</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G02602103</cusip>
       <value>509838</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5572</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>5564</Sole>
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           <None>8</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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       <shrsOrPrnAmt>
           <sshPrnamt>3970</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>3950</Sole>
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           <None>20</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
       <titleOfClass>SHS CL A</titleOfClass>
       <cusip>G0403H108</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>1759</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <None>4</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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       <cusip>G0403H108</cusip>
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           <sshPrnamt>36</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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       <cusip>G0403H108</cusip>
       <value>818135</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2050</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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       <cusip>G0403H108</cusip>
       <value>201540</value>
       <shrsOrPrnAmt>
           <sshPrnamt>505</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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       <shrsOrPrnAmt>
           <sshPrnamt>699</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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           <sshPrnamt>80</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
       <titleOfClass>SHS CL A</titleOfClass>
       <cusip>G0403H108</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>10282</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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       <cusip>G0403H108</cusip>
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           <sshPrnamt>1994</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>346</None>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
       <titleOfClass>SHS CL A</titleOfClass>
       <cusip>G0403H108</cusip>
       <value>3188729</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7990</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
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       <cusip>G0403H108</cusip>
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           <sshPrnamt>1489</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>13</otherManager>
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           <None>0</None>
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       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
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           <sshPrnamt>8688</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0450A105</cusip>
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           <sshPrnamt>3100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0450A105</cusip>
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           <sshPrnamt>213</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0450A105</cusip>
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           <sshPrnamt>3770</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
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           <sshPrnamt>890</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
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           <sshPrnamt>3165</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0450A105</cusip>
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           <sshPrnamt>73</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0450A105</cusip>
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           <sshPrnamt>24719</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>24488</Sole>
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           <None>231</None>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0450A105</cusip>
       <value>862158</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8964</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>8964</Sole>
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   <infoTable>
       <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
       <titleOfClass>ORD</titleOfClass>
       <cusip>G0450A105</cusip>
       <value>2029879</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21105</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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           <Sole>20894</Sole>
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           <None>211</None>
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   <infoTable>
       <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>497</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>381</Sole>
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           <None>116</None>
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   <infoTable>
       <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G0585R106</cusip>
       <value>5815</value>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>43963</value>
       <shrsOrPrnAmt>
           <sshPrnamt>121</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>106</Sole>
           <Shared>0</Shared>
           <None>15</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>363</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>152599</value>
       <shrsOrPrnAmt>
           <sshPrnamt>420</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>420</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>32700</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>90</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>13000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>37</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>37</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>13443</value>
       <shrsOrPrnAmt>
           <sshPrnamt>37</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>37</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>544632</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1499</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1472</Sole>
           <Shared>0</Shared>
           <None>27</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>15260</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>42</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>87926</value>
       <shrsOrPrnAmt>
           <sshPrnamt>242</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>242</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FLEX LNG LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G35947202</cusip>
       <value>213899</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9304</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>9304</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FLEX LNG LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G35947202</cusip>
       <value>920</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3643J108</cusip>
       <value>14179</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>64</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3643J108</cusip>
       <value>401918</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1813</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>1813</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3730V105</cusip>
       <value>6995</value>
       <shrsOrPrnAmt>
           <sshPrnamt>63</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>54</Sole>
           <Shared>0</Shared>
           <None>9</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3730V105</cusip>
       <value>2000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>14</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3730V105</cusip>
       <value>1554</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>14</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3730V105</cusip>
       <value>405148</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3649</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>3449</Sole>
           <Shared>0</Shared>
           <None>200</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3730V105</cusip>
       <value>4108</value>
       <shrsOrPrnAmt>
           <sshPrnamt>37</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>37</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G3730V105</cusip>
       <value>32088</value>
       <shrsOrPrnAmt>
           <sshPrnamt>289</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>289</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G39108108</cusip>
       <value>17987</value>
       <shrsOrPrnAmt>
           <sshPrnamt>977</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>977</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G39108108</cusip>
       <value>14084</value>
       <shrsOrPrnAmt>
           <sshPrnamt>765</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>765</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G39108108</cusip>
       <value>14000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>765</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>765</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G39108108</cusip>
       <value>47406</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2575</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>2575</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G39108108</cusip>
       <value>4603</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>203</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>11</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G39108108</cusip>
       <value>96929</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5265</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>5196</Sole>
           <Shared>0</Shared>
           <None>69</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G39108108</cusip>
       <value>4713</value>
       <shrsOrPrnAmt>
           <sshPrnamt>256</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>256</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GENIUS SPORTS LIMITED</nameOfIssuer>
       <titleOfClass>SHARES CL A</titleOfClass>
       <cusip>G3934V109</cusip>
       <value>14164</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1415</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1415</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GENIUS SPORTS LIMITED</nameOfIssuer>
       <titleOfClass>SHARES CL A</titleOfClass>
       <cusip>G3934V109</cusip>
       <value>133303</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13317</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>13317</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
       <titleOfClass>CLASS A ORD</titleOfClass>
       <cusip>G4124C109</cusip>
       <value>697883</value>
       <shrsOrPrnAmt>
           <sshPrnamt>154058</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>154058</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
       <titleOfClass>CLASS A ORD</titleOfClass>
       <cusip>G4124C109</cusip>
       <value>11080</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2446</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1098</Sole>
           <Shared>0</Shared>
           <None>1348</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
       <titleOfClass>CLASS A ORD</titleOfClass>
       <cusip>G4124C109</cusip>
       <value>25653</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>45322</value>
       <shrsOrPrnAmt>
           <sshPrnamt>259</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>259</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>271759</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1553</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>1553</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>8000</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>16624</value>
       <shrsOrPrnAmt>
           <sshPrnamt>95</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>95</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>264000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1509</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>1509</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>1598359</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9134</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>9134</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>701360</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4008</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>4008</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>1716302</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9808</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>9739</Sole>
           <Shared>0</Shared>
           <None>69</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ICON PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G4705A100</cusip>
       <value>619115</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3538</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>3538</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G48833118</cusip>
       <value>22866</value>
       <shrsOrPrnAmt>
           <sshPrnamt>427</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>417</Sole>
           <Shared>0</Shared>
           <None>10</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G48833118</cusip>
       <value>10442</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>174787</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3264</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>3144</Sole>
           <Shared>0</Shared>
           <None>120</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G48833118</cusip>
       <value>44179</value>
       <shrsOrPrnAmt>
           <sshPrnamt>825</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>825</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G48833118</cusip>
       <value>87876</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1641</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>1641</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INVESCO LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G491BT108</cusip>
       <value>228</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>58329</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3845</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>3845</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INVESCO LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G491BT108</cusip>
       <value>13881</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>50273</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3314</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>3314</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INVESCO LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G491BT108</cusip>
       <value>30628</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2019</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>1483</Sole>
           <Shared>0</Shared>
           <None>536</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>41963</value>
       <shrsOrPrnAmt>
           <sshPrnamt>338</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>295</Sole>
           <Shared>0</Shared>
           <None>43</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>10801</value>
       <shrsOrPrnAmt>
           <sshPrnamt>87</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>85</Sole>
           <Shared>0</Shared>
           <None>2</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>11000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>85</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>75732</value>
       <shrsOrPrnAmt>
           <sshPrnamt>610</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>610</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>23589</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>25000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>204</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>204</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>25575</value>
       <shrsOrPrnAmt>
           <sshPrnamt>206</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>206</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>155188</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1250</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1250</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>9187</value>
       <shrsOrPrnAmt>
           <sshPrnamt>74</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>74</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G50871105</cusip>
       <value>19616</value>
       <shrsOrPrnAmt>
           <sshPrnamt>158</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>158</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>5240796</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65420</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>65170</Sole>
           <Shared>0</Shared>
           <None>250</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>72570</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>71549</Sole>
           <Shared>0</Shared>
           <None>1021</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>691000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8631</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>8631</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>44301</value>
       <shrsOrPrnAmt>
           <sshPrnamt>553</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3,7</otherManager>
       <votingAuthority>
           <Sole>553</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>105184</value>
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           <sshPrnamt>1313</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
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           <Sole>1313</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
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           <sshPrnamt>34831</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <Sole>34831</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
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           <sshPrnamt>1649</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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           <Sole>1649</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
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           <sshPrnamt>1340</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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           <Sole>1340</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
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           <sshPrnamt>38535</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>37615</Sole>
           <Shared>920</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
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           <sshPrnamt>836</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,14</otherManager>
       <votingAuthority>
           <Sole>836</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>19924639</value>
       <shrsOrPrnAmt>
           <sshPrnamt>248716</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>237516</Sole>
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           <None>11200</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>1191636</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14875</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7,9</otherManager>
       <votingAuthority>
           <Sole>8564</Sole>
           <Shared>0</Shared>
           <None>6311</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>7460885</value>
       <shrsOrPrnAmt>
           <sshPrnamt>93133</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,9</otherManager>
       <votingAuthority>
           <Sole>77056</Sole>
           <Shared>0</Shared>
           <None>16077</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>12486906</value>
       <shrsOrPrnAmt>
           <sshPrnamt>155872</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>154412</Sole>
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           <None>1460</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>29531</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>29389</Sole>
           <Shared>0</Shared>
           <None>142</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>7149016</value>
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           <sshPrnamt>89240</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>82653</Sole>
           <Shared>0</Shared>
           <None>6587</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>50</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>5</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>20</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,9</otherManager>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>570</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>57</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>1260</value>
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           <sshPrnamt>126</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>126</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G51502105</cusip>
       <value>50</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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           <Sole>5</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>2746122</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30560</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>29888</Sole>
           <Shared>0</Shared>
           <None>672</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>3670152</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40843</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>39413</Sole>
           <Shared>0</Shared>
           <None>1430</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>338000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3760</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>3760</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>28396</value>
       <shrsOrPrnAmt>
           <sshPrnamt>316</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3,7</otherManager>
       <votingAuthority>
           <Sole>316</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>68473</value>
       <shrsOrPrnAmt>
           <sshPrnamt>762</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>762</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>2729587</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30376</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>30376</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>297886</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3315</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>3315</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>19061</value>
       <shrsOrPrnAmt>
           <sshPrnamt>212</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2769000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30811</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>30231</Sole>
           <Shared>580</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>27677</value>
       <shrsOrPrnAmt>
           <sshPrnamt>308</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,14</otherManager>
       <votingAuthority>
           <Sole>308</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>8140058</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90586</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>87126</Sole>
           <Shared>0</Shared>
           <None>3460</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>201646</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2244</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7,9</otherManager>
       <votingAuthority>
           <Sole>2244</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>28271</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,9</otherManager>
       <votingAuthority>
           <Sole>28155</Sole>
           <Shared>0</Shared>
           <None>116</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>7621386</value>
       <shrsOrPrnAmt>
           <sshPrnamt>84814</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>79349</Sole>
           <Shared>0</Shared>
           <None>5465</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>1886341</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20992</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>20834</Sole>
           <Shared>0</Shared>
           <None>158</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>12437253</value>
       <shrsOrPrnAmt>
           <sshPrnamt>138407</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>119845</Sole>
           <Shared>0</Shared>
           <None>18562</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>40437</value>
       <shrsOrPrnAmt>
           <sshPrnamt>450</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>450</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,9</otherManager>
       <votingAuthority>
           <Sole>1</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>205</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>41</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>450</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>90</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <putCall>Call</putCall>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>3</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G66721104</cusip>
       <value>20230</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1067</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1067</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G66721104</cusip>
       <value>16761</value>
       <shrsOrPrnAmt>
           <sshPrnamt>884</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>884</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G66721104</cusip>
       <value>14000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>745</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>745</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G66721104</cusip>
       <value>89112</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4700</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>4700</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G66721104</cusip>
       <value>25217</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>1330</Sole>
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           <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>294013</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15507</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>15483</Sole>
           <Shared>0</Shared>
           <None>24</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G66721104</cusip>
       <value>530103</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27959</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>27959</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
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       <nameOfIssuer>NU HLDGS LTD</nameOfIssuer>
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       <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
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       <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
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       <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
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       <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
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       <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
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       <cusip>G6700G107</cusip>
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   <infoTable>
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       <cusip>G6700G107</cusip>
       <value>1995</value>
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   <infoTable>
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       <cusip>G6700G107</cusip>
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       <putCall>Call</putCall>
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   <infoTable>
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       <titleOfClass>SHS</titleOfClass>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <sshPrnamt>525</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>525</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8060N102</cusip>
       <value>315728</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13009</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>13009</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8060N102</cusip>
       <value>1116</value>
       <shrsOrPrnAmt>
           <sshPrnamt>46</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>46</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8060N102</cusip>
       <value>3034</value>
       <shrsOrPrnAmt>
           <sshPrnamt>125</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>125</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>196279</value>
       <shrsOrPrnAmt>
           <sshPrnamt>866</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>866</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>261781</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1155</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>1153</Sole>
           <Shared>0</Shared>
           <None>2</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>22000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>95</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>95</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>17225</value>
       <shrsOrPrnAmt>
           <sshPrnamt>76</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>76</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>226650</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>1000</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>63462</value>
       <shrsOrPrnAmt>
           <sshPrnamt>280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>280</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>381000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1683</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>1683</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>142110</value>
       <shrsOrPrnAmt>
           <sshPrnamt>627</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>553</Sole>
           <Shared>0</Shared>
           <None>74</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>2531001</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11167</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>10856</Sole>
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           <None>311</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>1047350</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4621</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>4621</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>STERIS PLC</nameOfIssuer>
       <titleOfClass>SHS USD</titleOfClass>
       <cusip>G8473T100</cusip>
       <value>2274886</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10037</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>9734</Sole>
           <Shared>0</Shared>
           <None>303</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G87052109</cusip>
       <value>485999</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3439</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3420</Sole>
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           <None>19</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G87052109</cusip>
       <value>22611</value>
       <shrsOrPrnAmt>
           <sshPrnamt>160</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>160</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G87052109</cusip>
       <value>1000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>10</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G87052109</cusip>
       <value>1413</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>10</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G87052109</cusip>
       <value>660954</value>
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           <sshPrnamt>4677</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
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           <Sole>3885</Sole>
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           <None>792</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G87052109</cusip>
       <value>7349</value>
       <shrsOrPrnAmt>
           <sshPrnamt>52</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>52</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>G87052109</cusip>
       <value>3565786</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25232</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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           <Sole>25232</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>1461</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>1412</Sole>
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           <None>49</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>30169</value>
       <shrsOrPrnAmt>
           <sshPrnamt>952</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>943</Sole>
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           <None>9</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>22000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>710</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>710</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>145774</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <Sole>4600</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>35968</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1135</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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           <Sole>1135</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>7000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>233</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>233</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>285</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>
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   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>190552</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6013</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
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           <Sole>4957</Sole>
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           <None>1056</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>27348</value>
       <shrsOrPrnAmt>
           <sshPrnamt>863</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>863</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>G87110105</cusip>
       <value>48644</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1535</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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           <Sole>1535</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>2249615</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6677</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>6648</Sole>
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           <None>29</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>785024</value>
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           <sshPrnamt>2330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>2226</Sole>
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           <None>104</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>369000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1096</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>1096</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>17520</value>
       <shrsOrPrnAmt>
           <sshPrnamt>52</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3,7</otherManager>
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           <Sole>52</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>122976</value>
       <shrsOrPrnAmt>
           <sshPrnamt>365</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3,9</otherManager>
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           <Sole>365</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8994E103</cusip>
       <value>791762</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2350</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <Sole>2350</Sole>
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           <None>0</None>
       </votingAuthority>
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           <None>80</None>
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       <titleOfClass>COM SHS</titleOfClass>
       <cusip>H11356104</cusip>
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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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       <cusip>H11356104</cusip>
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           <None>0</None>
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   <infoTable>
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           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <titleOfClass>COM SHS</titleOfClass>
       <cusip>H11356104</cusip>
       <value>239882</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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           <None>880</None>
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       <nameOfIssuer>BUNGE GLOBAL SA</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>H11356104</cusip>
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           <sshPrnamt>193</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>12</None>
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       <titleOfClass>COM SHS</titleOfClass>
       <cusip>H11356104</cusip>
       <value>56245</value>
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           <sshPrnamt>736</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>57</None>
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       <nameOfIssuer>GARMIN LTD</nameOfIssuer>
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           <sshPrnamt>363</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>363</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>GARMIN LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H2906T109</cusip>
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           <sshPrnamt>403</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>3</None>
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   <infoTable>
       <nameOfIssuer>GARMIN LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H2906T109</cusip>
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           <sshPrnamt>215</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>GARMIN LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H2906T109</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>1590</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>GARMIN LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H2906T109</cusip>
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           <sshPrnamt>375</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>375</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>GARMIN LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
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           <sshPrnamt>106</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>106</Sole>
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           <None>0</None>
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       <cusip>H2906T109</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
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       <titleOfClass>SHS</titleOfClass>
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           <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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   <infoTable>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>SHS</titleOfClass>
       <cusip>H42097107</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <titleOfClass>SHS</titleOfClass>
       <cusip>H42097107</cusip>
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           <sshPrnamt>470</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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   <infoTable>
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       <cusip>H42097107</cusip>
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   <infoTable>
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   <infoTable>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <titleOfClass>SHS</titleOfClass>
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           <sshPrnamt>49638</sshPrnamt>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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       <titleOfClass>SHS</titleOfClass>
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           <sshPrnamt>10305</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
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           <Sole>8751</Sole>
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           <None>1554</None>
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       <titleOfClass>SHS</titleOfClass>
       <cusip>M53213100</cusip>
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           <sshPrnamt>355</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>355</Sole>
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           <None>0</None>
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       <titleOfClass>SHS</titleOfClass>
       <cusip>M53213100</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2927</sshPrnamt>
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       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>2927</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>SHS</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>74</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>1</otherManager>
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           <Sole>74</Sole>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>SHS</titleOfClass>
       <cusip>M7S64H106</cusip>
       <value>178479</value>
       <shrsOrPrnAmt>
           <sshPrnamt>734</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>734</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M7S64H106</cusip>
       <value>12401</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
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           <Sole>51</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M7S64H106</cusip>
       <value>109179</value>
       <shrsOrPrnAmt>
           <sshPrnamt>449</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <Sole>449</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M7S64H106</cusip>
       <value>181000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>745</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <Sole>745</Sole>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>SHS</titleOfClass>
       <cusip>M7S64H106</cusip>
       <value>2675</value>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
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       <value>1075740</value>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>4382</Sole>
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           <None>42</None>
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   <infoTable>
       <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M7S64H106</cusip>
       <value>577019</value>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M7S64H106</cusip>
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           <None>32</None>
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   <infoTable>
       <nameOfIssuer>WIX COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M98068105</cusip>
       <value>98845</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>WIX COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M98068105</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>22</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>22</Sole>
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   <infoTable>
       <nameOfIssuer>WIX COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M98068105</cusip>
       <value>3594</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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   <infoTable>
       <nameOfIssuer>WIX COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M98068105</cusip>
       <value>76625</value>
       <shrsOrPrnAmt>
           <sshPrnamt>469</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>WIX COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M98068105</cusip>
       <value>3431</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>WIX COM LTD</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>M98068105</cusip>
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           <None>2</None>
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   <infoTable>
       <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
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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>
       <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
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       <cusip>N07059210</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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           <None>0</None>
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   <infoTable>
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       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>N14506104</cusip>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>ORD SHS</titleOfClass>
       <cusip>N14506104</cusip>
       <value>71280</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <None>0</None>
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       <titleOfClass>COM</titleOfClass>
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       <titleOfClass>COM</titleOfClass>
       <cusip>00766T100</cusip>
       <value>3524</value>
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           <sshPrnamt>38</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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       <titleOfClass>COM</titleOfClass>
       <cusip>00766T100</cusip>
       <value>46643</value>
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           <sshPrnamt>503</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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       <cusip>00790R104</cusip>
       <value>2825</value>
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           <sshPrnamt>26</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>26</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
       <value>47371</value>
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           <sshPrnamt>436</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>436</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
       <value>15000</value>
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           <sshPrnamt>135</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>135</Sole>
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           <None>0</None>
       </votingAuthority>
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       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
       <value>81488</value>
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           <sshPrnamt>750</sshPrnamt>
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       <otherManager>13</otherManager>
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           <Sole>750</Sole>
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           <None>0</None>
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       <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
       <value>24446</value>
       <shrsOrPrnAmt>
           <sshPrnamt>225</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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           <None>0</None>
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       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
       <value>170000</value>
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           <sshPrnamt>1563</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>1563</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
       <value>137116</value>
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           <sshPrnamt>1262</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
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           <sshPrnamt>4144</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
       <value>10213</value>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>00790R104</cusip>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>3717</value>
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           <sshPrnamt>39</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <None>5</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>357603</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3752</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
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   <infoTable>
       <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>358000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3752</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
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           <None>3752</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>1000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <Sole>7</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>667</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>7</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>18585</value>
       <shrsOrPrnAmt>
           <sshPrnamt>195</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>129</Sole>
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   <infoTable>
       <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>2859</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>007973100</cusip>
       <value>7053</value>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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   <infoTable>
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       <cusip>008073108</cusip>
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           <sshPrnamt>32</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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   <infoTable>
       <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
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       <cusip>008073108</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>141</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
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       <cusip>008073108</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>21</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
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       <shrsOrPrnAmt>
           <sshPrnamt>4</sshPrnamt>
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       <otherManager>3</otherManager>
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   <infoTable>
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       <cusip>008073108</cusip>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
       <cusip>008073108</cusip>
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           <sshPrnamt>29</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>008073108</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>3,9</otherManager>
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   <infoTable>
       <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
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   <infoTable>
       <nameOfIssuer>AEROVIRONMENT 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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       <cusip>09257P105</cusip>
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           <sshPrnamt>11306</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       </votingAuthority>
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       </votingAuthority>
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   <infoTable>
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       <votingAuthority>
           <Sole>1563</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127055101</cusip>
       <value>8813</value>
       <shrsOrPrnAmt>
           <sshPrnamt>106</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>35</Sole>
           <Shared>0</Shared>
           <None>71</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127055101</cusip>
       <value>490277</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5897</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>5897</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127055101</cusip>
       <value>490000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5897</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>5897</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127055101</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <Sole>6</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127055101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>10</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>10</None>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
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       <cusip>127055101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>4367</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>4220</Sole>
           <Shared>0</Shared>
           <None>147</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127055101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>31</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>27</Sole>
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           <None>4</None>
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   <infoTable>
       <nameOfIssuer>CABOT CORP</nameOfIssuer>
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       <cusip>127055101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>174</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>174</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2591</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>2591</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>307005</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10623</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>10608</Sole>
           <Shared>0</Shared>
           <None>15</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>33000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1139</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>1139</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>224669</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7774</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>7774</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>53089</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1837</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>1837</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>535000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18509</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <Sole>18509</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>280966</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9722</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <Sole>9151</Sole>
           <Shared>0</Shared>
           <None>571</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>3271047</value>
       <shrsOrPrnAmt>
           <sshPrnamt>113185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>112763</Sole>
           <Shared>0</Shared>
           <None>422</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>306716</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10613</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>10613</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>1706285</value>
       <shrsOrPrnAmt>
           <sshPrnamt>59041</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>58645</Sole>
           <Shared>0</Shared>
           <None>396</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>1261369</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43646</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>43646</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>2202</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>6</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>758057</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2066</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>2026</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>758000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2066</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>2026</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>92831</value>
       <shrsOrPrnAmt>
           <sshPrnamt>253</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>253</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>20181</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>55</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>1373382</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3743</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>3732</Sole>
           <Shared>0</Shared>
           <None>11</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>8072</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>22</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CACI INTL INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>127190304</cusip>
       <value>15411</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>16</Sole>
           <Shared>0</Shared>
           <None>26</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
       <titleOfClass>COM SH BEN INT</titleOfClass>
       <cusip>128125101</cusip>
       <value>728100</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>45000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>7705</value>
       <shrsOrPrnAmt>
           <sshPrnamt>63</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>38</Sole>
           <Shared>0</Shared>
           <None>25</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>42805</value>
       <shrsOrPrnAmt>
           <sshPrnamt>350</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>205</Sole>
           <Shared>0</Shared>
           <None>145</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>25000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>205</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>205</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>124746</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1020</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>1020</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>29107</value>
       <shrsOrPrnAmt>
           <sshPrnamt>238</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>238</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>99000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>806</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>806</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>98574</value>
       <shrsOrPrnAmt>
           <sshPrnamt>806</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>681</Sole>
           <Shared>0</Shared>
           <None>125</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>390259</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3191</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>3185</Sole>
           <Shared>0</Shared>
           <None>6</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>221852</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1814</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>1814</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>133131102</cusip>
       <value>343908</value>
       <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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   <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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       <titleOfClass>COM</titleOfClass>
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       <titleOfClass>COM</titleOfClass>
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   <infoTable>
       <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
       <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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   <infoTable>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>3082</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>679580100</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>240</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>679580100</cusip>
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       <shrsOrPrnAmt>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>679580100</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>475</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>679580100</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>679580100</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>3314</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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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>679580100</cusip>
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           <sshPrnamt>1936</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>679580100</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>4572</sshPrnamt>
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   <infoTable>
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   <infoTable>
       <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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   <infoTable>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>DJ GLB RL ES ETF</titleOfClass>
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       <shrsOrPrnAmt>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>DJ INTL RL ETF</titleOfClass>
       <cusip>78463X863</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>DJ INTL RL ETF</titleOfClass>
       <cusip>78463X863</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>1180</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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   <infoTable>
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       <titleOfClass>DJ INTL RL ETF</titleOfClass>
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       <otherManager>3</otherManager>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>DJ INTL RL ETF</titleOfClass>
       <cusip>78463X863</cusip>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>52431</Sole>
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   <infoTable>
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       <titleOfClass>DJ INTL RL ETF</titleOfClass>
       <cusip>78463X863</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>3202</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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   <infoTable>
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       <cusip>78463X863</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
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       <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
       <cusip>78463X889</cusip>
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       <shrsOrPrnAmt>
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       <otherManager>7</otherManager>
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           <Shared>0</Shared>
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   <infoTable>
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       <shrsOrPrnAmt>
           <sshPrnamt>26176</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
       <cusip>78464A300</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>10699</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
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   <infoTable>
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       <titleOfClass>BBG CONV SEC ETF</titleOfClass>
       <cusip>78464A359</cusip>
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       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>BBG CONV SEC ETF</titleOfClass>
       <cusip>78464A359</cusip>
       <value>114930</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1500</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>BBG CONV SEC ETF</titleOfClass>
       <cusip>78464A359</cusip>
       <value>383100</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>5000</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
       <cusip>78464A375</cusip>
       <value>5319630</value>
       <shrsOrPrnAmt>
           <sshPrnamt>160037</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
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   <infoTable>
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       <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
       <cusip>78464A375</cusip>
       <value>5086</value>
       <shrsOrPrnAmt>
           <sshPrnamt>153</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
       <cusip>78464A375</cusip>
       <value>66513</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2001</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
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       <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
       <cusip>78464A375</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>230</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>SPDR SER TR</nameOfIssuer>
       <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
       <cusip>78464A409</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
       <cusip>78464A409</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>21404</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
       <cusip>78464A409</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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   <infoTable>
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       <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
       <cusip>78464A409</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>PORTFOLIO SHORT</titleOfClass>
       <cusip>78464A474</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <titleOfClass>PORTFOLIO SHORT</titleOfClass>
       <cusip>78464A474</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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   <infoTable>
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       <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
       <cusip>78464A508</cusip>
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       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
       <cusip>78464A508</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
       <cusip>78464A508</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
       <cusip>78464A508</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
       <cusip>78464A508</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2900</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>DJ REIT ETF</titleOfClass>
       <cusip>78464A607</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>12425</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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   <infoTable>
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       <titleOfClass>DJ REIT ETF</titleOfClass>
       <cusip>78464A607</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>S&amp;P REGL BKG</titleOfClass>
       <cusip>78464A698</cusip>
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       <shrsOrPrnAmt>
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       <otherManager>9</otherManager>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
       <cusip>78464A763</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
       <cusip>78464A763</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
       <cusip>78464A763</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>13</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>14</otherManager>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>13089</sshPrnamt>
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       <cusip>78464A870</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
       <cusip>78467J100</cusip>
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   <infoTable>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>33</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
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           <sshPrnamt>1812</sshPrnamt>
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   <infoTable>
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       <titleOfClass>UT SER 1</titleOfClass>
       <cusip>78467X109</cusip>
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           <sshPrnamt>906</sshPrnamt>
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           <sshPrnamt>8864</sshPrnamt>
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   <infoTable>
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   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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           <Sole>232</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEA LTD</nameOfIssuer>
       <titleOfClass>SPONSORD ADS</titleOfClass>
       <cusip>81141R100</cusip>
       <value>461935</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3540</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>3540</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEA LTD</nameOfIssuer>
       <titleOfClass>SPONSORD ADS</titleOfClass>
       <cusip>81141R100</cusip>
       <value>466000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3570</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>3570</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEA LTD</nameOfIssuer>
       <titleOfClass>SPONSORD ADS</titleOfClass>
       <cusip>81141R100</cusip>
       <value>12005</value>
       <shrsOrPrnAmt>
           <sshPrnamt>92</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>92</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEA LTD</nameOfIssuer>
       <titleOfClass>SPONSORD ADS</titleOfClass>
       <cusip>81141R100</cusip>
       <value>2865430</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21959</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>21721</Sole>
           <Shared>0</Shared>
           <None>238</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEA LTD</nameOfIssuer>
       <titleOfClass>SPONSORD ADS</titleOfClass>
       <cusip>81141R100</cusip>
       <value>1300594</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9967</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>9967</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEA LTD</nameOfIssuer>
       <titleOfClass>SPONSORD ADS</titleOfClass>
       <cusip>81141R100</cusip>
       <value>2767823</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21211</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>21072</Sole>
           <Shared>0</Shared>
           <None>139</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEABOARD CORP DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>811543107</cusip>
       <value>2697</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEABOARD CORP DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>811543107</cusip>
       <value>215770</value>
       <shrsOrPrnAmt>
           <sshPrnamt>80</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>79</Sole>
           <Shared>0</Shared>
           <None>1</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEABOARD CORP DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>811543107</cusip>
       <value>2697</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>1</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEABOARD CORP DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>811543107</cusip>
       <value>37760</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>14</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>3000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>105</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>105</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>3035</value>
       <shrsOrPrnAmt>
           <sshPrnamt>105</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>105</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>40460</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>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>14161</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>135714</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4696</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>4696</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81211K100</cusip>
       <value>126669</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4383</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>4383</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI MATERIALS</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>479424</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5576</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5576</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI MATERIALS</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>103606</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1205</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1205</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>798237</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5467</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3763</Sole>
           <Shared>0</Shared>
           <None>1704</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>1173190</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8035</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>8035</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>158129</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1083</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>1083</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>862481</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>293277</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3591</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>130</Sole>
           <Shared>0</Shared>
           <None>3461</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI CONS STPLS</titleOfClass>
       <cusip>81369Y308</cusip>
       <value>152000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1860</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>1860</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>151906</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1860</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>1860</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>551763</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6756</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>6756</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>16334</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>1115939</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>391761</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1984</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>970</Sole>
           <Shared>0</Shared>
           <None>1014</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI CONS DISCR</titleOfClass>
       <cusip>81369Y407</cusip>
       <value>1493390</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7563</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>7563</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>317713</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>145875</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1561</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1044</Sole>
           <Shared>0</Shared>
           <None>517</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>286000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3060</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>3060</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>285957</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3060</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>3060</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>1602854</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17152</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>17152</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>934407</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9999</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>9449</Sole>
           <Shared>0</Shared>
           <None>550</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>FINANCIAL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>770710</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15473</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>15473</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>FINANCIAL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>856000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17181</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>17181</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>FINANCIAL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>855786</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17181</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>17181</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>FINANCIAL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>1027680</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20632</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>20632</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>FINANCIAL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>752480</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>315223</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>310000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2365</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>2365</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>INDL</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>309981</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2365</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>2365</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>INDL</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>690870</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5271</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>5271</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>INDL</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>256111</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>1300411</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6298</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4854</Sole>
           <Shared>0</Shared>
           <None>1444</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>1023000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4955</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>4955</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>1023108</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4955</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>4955</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>7422750</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35949</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>35949</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>3069532</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14866</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>14866</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>COMMUNICATION</titleOfClass>
       <cusip>81369Y852</cusip>
       <value>100790</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>594000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6162</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>6162</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>COMMUNICATION</titleOfClass>
       <cusip>81369Y852</cusip>
       <value>594325</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6162</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>6162</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>COMMUNICATION</titleOfClass>
       <cusip>81369Y852</cusip>
       <value>634641</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6580</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>6580</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>COMMUNICATION</titleOfClass>
       <cusip>81369Y852</cusip>
       <value>4340</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>727520</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17384</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>15386</Sole>
           <Shared>0</Shared>
           <None>1998</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>RL EST SEL SEC</titleOfClass>
       <cusip>81369Y860</cusip>
       <value>210924</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5040</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>5040</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>211000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5040</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>5040</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>1042609</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24913</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>24913</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>2511</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>1929452</value>
       <shrsOrPrnAmt>
           <sshPrnamt>46104</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>46104</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>570716</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7238</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5211</Sole>
           <Shared>0</Shared>
           <None>2027</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-UTILS</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>173000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2190</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>2190</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>172682</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2190</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>2190</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>423188</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5367</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>5367</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>7885</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 WATER SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>CL A COM</titleOfClass>
       <cusip>81617J301</cusip>
       <value>483</value>
       <shrsOrPrnAmt>
           <sshPrnamt>46</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>46</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT WATER SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>CL A COM</titleOfClass>
       <cusip>81617J301</cusip>
       <value>945</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>90</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT WATER SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>CL A COM</titleOfClass>
       <cusip>81617J301</cusip>
       <value>119000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11328</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>11328</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT WATER SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>CL A COM</titleOfClass>
       <cusip>81617J301</cusip>
       <value>118944</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11328</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>11328</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT WATER SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>CL A COM</titleOfClass>
       <cusip>81617J301</cusip>
       <value>4589</value>
       <shrsOrPrnAmt>
           <sshPrnamt>437</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>215</Sole>
           <Shared>0</Shared>
           <None>222</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT WATER SOLUTIONS INC</nameOfIssuer>
       <titleOfClass>CL A COM</titleOfClass>
       <cusip>81617J301</cusip>
       <value>263</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>25</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81619Q105</cusip>
       <value>1236</value>
       <shrsOrPrnAmt>
           <sshPrnamt>74</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>74</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81619Q105</cusip>
       <value>59000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3513</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>3513</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81619Q105</cusip>
       <value>58667</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3513</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>3493</Sole>
           <Shared>0</Shared>
           <None>20</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81619Q105</cusip>
       <value>117017</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7007</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>6089</Sole>
           <Shared>0</Shared>
           <None>918</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81619Q105</cusip>
       <value>155394</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9305</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>9305</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT MED HLDGS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81619Q105</cusip>
       <value>220724</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13217</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>13217</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816300107</cusip>
       <value>4669</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>42</Sole>
           <Shared>0</Shared>
           <None>9</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816300107</cusip>
       <value>4669</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>51</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816300107</cusip>
       <value>1000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>11</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816300107</cusip>
       <value>1007</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>11</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816300107</cusip>
       <value>169166</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1848</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>661</Sole>
           <Shared>0</Shared>
           <None>1187</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816300107</cusip>
       <value>4669</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>45</Sole>
           <Shared>0</Shared>
           <None>6</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>816300107</cusip>
       <value>40003</value>
       <shrsOrPrnAmt>
           <sshPrnamt>437</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>437</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>1265</value>
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           <sshPrnamt>17</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>11</Sole>
           <Shared>0</Shared>
           <None>6</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>477096</value>
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           <sshPrnamt>6410</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>6410</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>477000</value>
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           <sshPrnamt>6410</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>6410</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>2382</value>
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           <sshPrnamt>32</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>17</Sole>
           <Shared>0</Shared>
           <None>15</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>0</value>
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           <sshPrnamt>5</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>5</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>372</value>
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           <sshPrnamt>5</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>5</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>63340</value>
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           <sshPrnamt>851</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>47</Sole>
           <Shared>0</Shared>
           <None>804</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>81725T100</cusip>
       <value>1116</value>
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           <sshPrnamt>15</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>12</Sole>
           <Shared>0</Shared>
           <None>3</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>81730H109</cusip>
       <value>3745</value>
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           <sshPrnamt>206</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>206</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>81730H109</cusip>
       <value>11417</value>
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           <sshPrnamt>628</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>619</Sole>
           <Shared>0</Shared>
           <None>9</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>81730H109</cusip>
       <value>7000</value>
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           <sshPrnamt>380</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>380</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>81730H109</cusip>
       <value>52722</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>2900</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
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       <value>11453</value>
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           <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>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <Sole>15802</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <Sole>15563</Sole>
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           <None>12</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>4446</Sole>
           <Shared>0</Shared>
           <None>587</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>81730H109</cusip>
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           <sshPrnamt>252</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>252</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>81730H109</cusip>
       <value>29761</value>
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           <sshPrnamt>1637</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>1637</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>53</Sole>
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           <None>11</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
       <value>41864</value>
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           <sshPrnamt>522</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>457</Sole>
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           <None>65</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
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       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>45</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>1770</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
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           <Sole>1770</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
       <value>23258</value>
       <shrsOrPrnAmt>
           <sshPrnamt>290</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
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           <Sole>290</Sole>
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   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
       <value>77000</value>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <Sole>546</Sole>
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   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>4678</Sole>
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           <None>210</None>
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   <infoTable>
       <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>817565104</cusip>
       <value>168821</value>
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           <sshPrnamt>2105</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
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       <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>920253101</cusip>
       <value>285</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>920253101</cusip>
       <value>107584</value>
       <shrsOrPrnAmt>
           <sshPrnamt>377</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>203</Sole>
           <Shared>0</Shared>
           <None>174</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>920253101</cusip>
       <value>1427</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>8276</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>29</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>29240</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>258325</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7421</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>498</Sole>
           <Shared>0</Shared>
           <None>6923</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>258000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7421</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>498</Sole>
           <Shared>0</Shared>
           <None>6923</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>52215</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>6127</value>
       <shrsOrPrnAmt>
           <sshPrnamt>176</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>176</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>121557</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3492</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>3265</Sole>
           <Shared>0</Shared>
           <None>227</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>3481</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>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>10095</value>
       <shrsOrPrnAmt>
           <sshPrnamt>290</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>290</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
       <titleOfClass>GOLD MINERS ETF</titleOfClass>
       <cusip>92189F106</cusip>
       <value>74012</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1610</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1610</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
       <titleOfClass>GOLD MINERS ETF</titleOfClass>
       <cusip>92189F106</cusip>
       <value>827460</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>298805</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>211470</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1000</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
       <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
       <cusip>92189F676</cusip>
       <value>127093</value>
       <shrsOrPrnAmt>
           <sshPrnamt>601</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>601</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
       <titleOfClass>DIV APP ETF</titleOfClass>
       <cusip>921908844</cusip>
       <value>403305</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2079</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2079</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
       <titleOfClass>DIV APP ETF</titleOfClass>
       <cusip>921908844</cusip>
       <value>15599706</value>
       <shrsOrPrnAmt>
           <sshPrnamt>80415</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>80415</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
       <titleOfClass>DIV APP ETF</titleOfClass>
       <cusip>921908844</cusip>
       <value>952685</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4911</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>4911</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
       <titleOfClass>DIV APP ETF</titleOfClass>
       <cusip>921908844</cusip>
       <value>16284879</value>
       <shrsOrPrnAmt>
           <sshPrnamt>83947</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>83947</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>841020</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13543</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>13543</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>1485308</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23918</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>23918</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>1313705</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13412</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>13412</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
       <titleOfClass>ESG US STK ETF</titleOfClass>
       <cusip>921910733</cusip>
       <value>195900</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>1028787</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7985</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>7985</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>965881</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13716</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>13716</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
       <titleOfClass>INTERMED TERM</titleOfClass>
       <cusip>921937819</cusip>
       <value>4831031</value>
       <shrsOrPrnAmt>
           <sshPrnamt>63093</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>63093</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
       <titleOfClass>INTERMED TERM</titleOfClass>
       <cusip>921937819</cusip>
       <value>160874</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>1007738</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13161</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>13161</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
       <titleOfClass>INTERMED TERM</titleOfClass>
       <cusip>921937819</cusip>
       <value>2611037</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>2118539</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27668</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>27668</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>185758</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2373</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2373</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>3802842</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>3878000</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>207364</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>5124444</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65463</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>65148</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>4355108</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55635</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>55635</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>84642899</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1152388</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1152388</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>458695</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6245</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>6245</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>2333507</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31770</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>31770</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>1061206</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14448</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>14448</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>653000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8891</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>8891</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>1340609</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18252</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>18252</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>125153291</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1703925</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1703165</Sole>
           <Shared>0</Shared>
           <None>760</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL BND MRKT</titleOfClass>
       <cusip>921937835</cusip>
       <value>47743</value>
       <shrsOrPrnAmt>
           <sshPrnamt>650</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,14</otherManager>
       <votingAuthority>
           <Sole>650</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>10052955</value>
       <shrsOrPrnAmt>
           <sshPrnamt>136868</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>136868</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>23687184</value>
       <shrsOrPrnAmt>
           <sshPrnamt>322494</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>322494</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>8064891</value>
       <shrsOrPrnAmt>
           <sshPrnamt>158664</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>158664</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>508605</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10006</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>9575</Sole>
           <Shared>0</Shared>
           <None>431</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
       <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
       <cusip>921943858</cusip>
       <value>1291844</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>44120</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>487000</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>25110</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>67344108</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1324889</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1323740</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>40703393</value>
       <shrsOrPrnAmt>
           <sshPrnamt>800775</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>800775</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>187669763</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3692106</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>3276896</Sole>
           <Shared>0</Shared>
           <None>415210</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>21431733</value>
       <shrsOrPrnAmt>
           <sshPrnamt>166189</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>164509</Sole>
           <Shared>0</Shared>
           <None>1680</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>711859</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5520</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>5520</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>285260</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>713000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5528</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>5528</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>1032</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>8</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>7735150</value>
       <shrsOrPrnAmt>
           <sshPrnamt>59981</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>59981</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>706185</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5476</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>5476</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
       <titleOfClass>HIGH DIV YLD</titleOfClass>
       <cusip>921946406</cusip>
       <value>8606532</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66738</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>66738</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
       <titleOfClass>STRM INFPROIDX</titleOfClass>
       <cusip>922020805</cusip>
       <value>477793</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>4261902</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13093</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>12843</Sole>
           <Shared>0</Shared>
           <None>250</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
       <titleOfClass>CONSUM DIS ETF</titleOfClass>
       <cusip>92204A108</cusip>
       <value>939422</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2886</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>2886</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
       <titleOfClass>CONSUM DIS ETF</titleOfClass>
       <cusip>92204A108</cusip>
       <value>13671</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>939000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2886</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>2886</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
       <titleOfClass>CONSUM DIS ETF</titleOfClass>
       <cusip>92204A108</cusip>
       <value>7785874</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23919</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>23919</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
       <titleOfClass>CONSUM DIS ETF</titleOfClass>
       <cusip>92204A108</cusip>
       <value>3353079</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10301</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>10301</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
       <titleOfClass>CONSUM DIS ETF</titleOfClass>
       <cusip>92204A108</cusip>
       <value>9513355</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29226</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>29226</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
       <titleOfClass>CONSUM STP ETF</titleOfClass>
       <cusip>92204A207</cusip>
       <value>1976820</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9034</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
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           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>132335</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>10432521</value>
       <shrsOrPrnAmt>
           <sshPrnamt>230502</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>229417</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>334471</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>12944</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>23735838</value>
       <shrsOrPrnAmt>
           <sshPrnamt>524433</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>515521</Sole>
           <Shared>0</Shared>
           <None>8912</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
       <cusip>922042858</cusip>
       <value>19316244</value>
       <shrsOrPrnAmt>
           <sshPrnamt>426784</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>426784</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>65737072</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1452432</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>1415744</Sole>
           <Shared>1310</Shared>
           <None>35378</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EUROPE ETF</titleOfClass>
       <cusip>922042874</cusip>
       <value>383908</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5468</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5468</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EUROPE ETF</titleOfClass>
       <cusip>922042874</cusip>
       <value>234010</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3333</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>3333</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>2605953</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44402</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>44402</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>75082939</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1279314</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>1279314</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>73795000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1257373</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>1257373</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>9625</value>
       <shrsOrPrnAmt>
           <sshPrnamt>164</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>164</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>895000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15255</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>15255</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>28868848</value>
       <shrsOrPrnAmt>
           <sshPrnamt>491887</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>491887</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>296854</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5058</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7,9</otherManager>
       <votingAuthority>
           <Sole>5058</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>5731489</value>
       <shrsOrPrnAmt>
           <sshPrnamt>97657</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,9</otherManager>
       <votingAuthority>
           <Sole>97657</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>2605014</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44386</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>44386</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>SHORT TERM TREAS</titleOfClass>
       <cusip>92206C102</cusip>
       <value>210404</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>80171</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1366</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>1366</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>314734</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3987</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3987</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>2320915</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29401</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>29401</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>47364</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>943686</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11701</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>11701</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>VNG RUS2000IDX</titleOfClass>
       <cusip>92206C664</cusip>
       <value>149203</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>2017904</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>2568000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27675</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>27675</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>VNG RUS1000GRW</titleOfClass>
       <cusip>92206C680</cusip>
       <value>2567963</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27675</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>27675</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>VNG RUS1000GRW</titleOfClass>
       <cusip>92206C680</cusip>
       <value>6918979</value>
       <shrsOrPrnAmt>
           <sshPrnamt>74566</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>74566</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>VNG RUS1000GRW</titleOfClass>
       <cusip>92206C680</cusip>
       <value>138257</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1490</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>1490</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>INTER TERM TREAS</titleOfClass>
       <cusip>92206C706</cusip>
       <value>7465927</value>
       <shrsOrPrnAmt>
           <sshPrnamt>125689</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>117666</Sole>
           <Shared>0</Shared>
           <None>8023</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>INTER TERM TREAS</titleOfClass>
       <cusip>92206C706</cusip>
       <value>6118</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>116602</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1963</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1963</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>INTER TERM TREAS</titleOfClass>
       <cusip>92206C706</cusip>
       <value>73715</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>109296</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1840</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>1840</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
       <titleOfClass>VNG RUS1000VAL</titleOfClass>
       <cusip>92206C714</cusip>
       <value>2149754</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26045</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
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       <shrsOrPrnAmt>
           <sshPrnamt>837</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>337</Sole>
           <Shared>0</Shared>
           <None>500</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REAL ESTATE ETF</titleOfClass>
       <cusip>922908553</cusip>
       <value>6291715</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69491</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>69491</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REAL ESTATE ETF</titleOfClass>
       <cusip>922908553</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>49865</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>49865</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REAL ESTATE ETF</titleOfClass>
       <cusip>922908553</cusip>
       <value>14124</value>
       <shrsOrPrnAmt>
           <sshPrnamt>156</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>5065000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55947</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>51457</Sole>
           <Shared>0</Shared>
           <None>4490</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REAL ESTATE ETF</titleOfClass>
       <cusip>922908553</cusip>
       <value>144140</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1592</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <Sole>1592</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REAL ESTATE ETF</titleOfClass>
       <cusip>922908553</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>150910</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>150910</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REAL ESTATE ETF</titleOfClass>
       <cusip>922908553</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>7587</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>7587</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>REAL ESTATE ETF</titleOfClass>
       <cusip>922908553</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>89208</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>89028</Sole>
           <Shared>0</Shared>
           <None>180</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SML CP GRW ETF</titleOfClass>
       <cusip>922908595</cusip>
       <value>1054413</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4188</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3599</Sole>
           <Shared>0</Shared>
           <None>589</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SML CP GRW ETF</titleOfClass>
       <cusip>922908595</cusip>
       <value>628166</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2495</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>2495</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>134697</value>
       <shrsOrPrnAmt>
           <sshPrnamt>535</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>535</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>847620</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4550</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4550</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SM CP VAL ETF</titleOfClass>
       <cusip>922908611</cusip>
       <value>1519195</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>1519000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8155</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>4502070</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24167</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>24167</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SM CP VAL ETF</titleOfClass>
       <cusip>922908611</cusip>
       <value>25894</value>
       <shrsOrPrnAmt>
           <sshPrnamt>139</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>788007</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4230</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>4230</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
       <value>2191287</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8473</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>8473</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MID CAP ETF</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>1757</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>1757</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2546</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
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           <Sole>2546</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
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       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
       <value>2293959</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8870</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>8870</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
       <value>181034</value>
       <shrsOrPrnAmt>
           <sshPrnamt>700</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>700</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>MID CAP ETF</titleOfClass>
       <cusip>922908629</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>5885</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>LARGE CAP ETF</titleOfClass>
       <cusip>922908637</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>460</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>460</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>LARGE CAP ETF</titleOfClass>
       <cusip>922908637</cusip>
       <value>2121526</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8254</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>8254</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>LARGE CAP ETF</titleOfClass>
       <cusip>922908637</cusip>
       <value>36755</value>
       <shrsOrPrnAmt>
           <sshPrnamt>143</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>143</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>EXTEND MKT ETF</titleOfClass>
       <cusip>922908652</cusip>
       <value>189486</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>1100</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>EXTEND MKT ETF</titleOfClass>
       <cusip>922908652</cusip>
       <value>189486</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1100</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>1100</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>GROWTH ETF</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>1371</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1371</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>GROWTH ETF</titleOfClass>
       <cusip>922908736</cusip>
       <value>284000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>766</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>GROWTH ETF</titleOfClass>
       <cusip>922908736</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>766</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>766</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>GROWTH ETF</titleOfClass>
       <cusip>922908736</cusip>
       <value>36956292</value>
       <shrsOrPrnAmt>
           <sshPrnamt>99661</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>99661</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>GROWTH ETF</titleOfClass>
       <cusip>922908736</cusip>
       <value>1208132</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3258</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>3258</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>GROWTH ETF</titleOfClass>
       <cusip>922908736</cusip>
       <value>2682512</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7234</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>7234</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>3786</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3786</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>195196</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>1130</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>1736037</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>993000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5751</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>4621</Sole>
           <Shared>1130</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>798232</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4621</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>4621</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>34774462</value>
       <shrsOrPrnAmt>
           <sshPrnamt>201311</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>201311</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>2159768</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12503</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>12503</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>VALUE ETF</titleOfClass>
       <cusip>922908744</cusip>
       <value>10004583</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57917</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>57917</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>6164650</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27800</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>27800</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>19514</value>
       <shrsOrPrnAmt>
           <sshPrnamt>88</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>88</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>431526</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1946</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>1946</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>5000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>24</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>5322</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>24</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>37723666</value>
       <shrsOrPrnAmt>
           <sshPrnamt>170118</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>170118</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>520669</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2348</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>860</Sole>
           <Shared>0</Shared>
           <None>1488</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SMALL CP ETF</titleOfClass>
       <cusip>922908751</cusip>
       <value>17322445</value>
       <shrsOrPrnAmt>
           <sshPrnamt>78117</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>74317</Sole>
           <Shared>0</Shared>
           <None>3800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>4027231</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14653</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>14653</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>1094000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3985</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>3985</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>1095237</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3985</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>3985</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>17817877</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64830</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>64830</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>18414</value>
       <shrsOrPrnAmt>
           <sshPrnamt>67</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>67</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>7133472</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25955</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>22344</Sole>
           <Shared>0</Shared>
           <None>3611</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>870423</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8932</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>8932</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>75037</value>
       <shrsOrPrnAmt>
           <sshPrnamt>770</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>770</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>37000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>375</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>375</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>3216</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,7</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>33</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>250739</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2573</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>2573</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>59347</value>
       <shrsOrPrnAmt>
           <sshPrnamt>609</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>609</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>380000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3902</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>3902</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>345070</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3541</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>3526</Sole>
           <Shared>0</Shared>
           <None>15</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>2450478</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25146</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>21687</Sole>
           <Shared>0</Shared>
           <None>3459</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>956179</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9812</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>9812</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERALTO CORP</nameOfIssuer>
       <titleOfClass>COM SHS</titleOfClass>
       <cusip>92338C103</cusip>
       <value>1469156</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15076</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>15053</Sole>
           <Shared>0</Shared>
           <None>23</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISIGN INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343E102</cusip>
       <value>316322</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1246</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1246</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISIGN INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343E102</cusip>
       <value>19294</value>
       <shrsOrPrnAmt>
           <sshPrnamt>76</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>75</Sole>
           <Shared>0</Shared>
           <None>1</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISIGN INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343E102</cusip>
       <value>19000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>75</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISIGN INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343E102</cusip>
       <value>203096</value>
       <shrsOrPrnAmt>
           <sshPrnamt>800</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>800</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERISIGN INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92343E102</cusip>
       <value>45697</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>
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   <infoTable>
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           <Sole>12310</Sole>
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   <infoTable>
       <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>969904101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2104</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
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       <titleOfClass>COM</titleOfClass>
       <cusip>969904101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>4105</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>4091</Sole>
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           <None>14</None>
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       <nameOfIssuer>WINGSTOP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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           <sshPrnamt>12</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>12</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>WINGSTOP INC</nameOfIssuer>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
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           <Sole>35</Sole>
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           <None>0</None>
       </votingAuthority>
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       <titleOfClass>COM</titleOfClass>
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           <Sole>35</Sole>
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           <None>0</None>
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       <nameOfIssuer>WINGSTOP INC</nameOfIssuer>
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       <cusip>974155103</cusip>
       <value>67674</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>13</otherManager>
       <votingAuthority>
           <Sole>300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINGSTOP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>974155103</cusip>
       <value>12407</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>55</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINGSTOP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>974155103</cusip>
       <value>30453</value>
       <shrsOrPrnAmt>
           <sshPrnamt>135</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>114</Sole>
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           <None>21</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINGSTOP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>974155103</cusip>
       <value>86848</value>
       <shrsOrPrnAmt>
           <sshPrnamt>385</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
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           <Sole>385</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINGSTOP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>974155103</cusip>
       <value>8798</value>
       <shrsOrPrnAmt>
           <sshPrnamt>39</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>37</Sole>
           <Shared>0</Shared>
           <None>2</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>42735</value>
       <shrsOrPrnAmt>
           <sshPrnamt>380</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>380</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>18106</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>
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   <infoTable>
       <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>78722</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>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>17431</value>
       <shrsOrPrnAmt>
           <sshPrnamt>155</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>14</otherManager>
       <votingAuthority>
           <Sole>155</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>149000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1329</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>131578</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1170</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,7</otherManager>
       <votingAuthority>
           <Sole>1170</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>616056</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5478</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>5478</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>306004</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2721</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>2721</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>97650W108</cusip>
       <value>594801</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5289</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>5281</Sole>
           <Shared>0</Shared>
           <None>8</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>US HIGH DIVIDEND</titleOfClass>
       <cusip>97717W208</cusip>
       <value>199807</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2015</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>2015</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>US HIGH DIVIDEND</titleOfClass>
       <cusip>97717W208</cusip>
       <value>133271</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1344</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7,9</otherManager>
       <votingAuthority>
           <Sole>1344</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>US LARGECAP DIVD</titleOfClass>
       <cusip>97717W307</cusip>
       <value>173185</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2182</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>2182</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>US LARGECAP DIVD</titleOfClass>
       <cusip>97717W307</cusip>
       <value>451615</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>
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   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>EMER MKT HIGH FD</titleOfClass>
       <cusip>97717W315</cusip>
       <value>14854</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>353682</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8405</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,3</otherManager>
       <votingAuthority>
           <Sole>8405</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>EMER MKT HIGH FD</titleOfClass>
       <cusip>97717W315</cusip>
       <value>354000</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8405</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>8405</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>EMER MKT HIGH FD</titleOfClass>
       <cusip>97717W315</cusip>
       <value>1718084</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40829</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>7</otherManager>
       <votingAuthority>
           <Sole>40829</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>EMER MKT HIGH FD</titleOfClass>
       <cusip>97717W315</cusip>
       <value>183048</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>8762066</value>
       <shrsOrPrnAmt>
           <sshPrnamt>208224</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>9</otherManager>
       <votingAuthority>
           <Sole>206524</Sole>
           <Shared>0</Shared>
           <None>1700</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
       <titleOfClass>US LARGECAP FUND</titleOfClass>
       <cusip>97717W588</cusip>
       <value>351234</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>16156899</value>
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