<SEC-DOCUMENT>0000950123-25-007797.txt : 20250813
<SEC-HEADER>0000950123-25-007797.hdr.sgml : 20250813
<ACCEPTANCE-DATETIME>20250813135740
ACCESSION NUMBER:		0000950123-25-007797
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250813
DATE AS OF CHANGE:		20250813
EFFECTIVENESS DATE:		20250813

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:		251210487

	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
<TEXT>
<XML>
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  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0000036270</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2025</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2025</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>M&amp;T Bank Corp</name>
        <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>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-00267</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Sarah Hughes</name>
      <title>Senior Vice President</title>
      <phone>410-387-9810</phone>
      <signature>Sarah Hughes</signature>
      <city>Columbia</city>
      <stateOrCountry>MD</stateOrCountry>
      <signatureDate>08-12-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>7</otherIncludedManagersCount>
      <tableEntryTotal>12763</tableEntryTotal>
      <tableValueTotal>29104088084</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-03980</form13FFileNumber>
            <name>Manufacturers &amp; Traders Trust Company</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>3</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-10909</form13FFileNumber>
            <name>Wilmington Trust Investment Advisors, Inc.</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>7</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-14686</form13FFileNumber>
            <name>Wilmington Trust National Association</name>
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            <form13FFileNumber>028-06601</form13FFileNumber>
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        <otherManager2>
          <sequenceNumber>14</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-12629</form13FFileNumber>
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        <otherManager2>
          <sequenceNumber>16</sequenceNumber>
          <otherManager>
            <form13FFileNumber>028-23418</form13FFileNumber>
            <name>Wilmington Trust Asset Management, LLC</name>
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    </summaryPage>
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</TEXT>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>44239.xml
<DESCRIPTION>INFORMATION TABLE FOR FORM 13F
<TEXT>
<XML>
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  <infoTable>
    <nameOfIssuer>DEUTSCHE BANK A G                       </nameOfIssuer>
    <titleOfClass>NAMEN AKT           </titleOfClass>
    <cusip>D18190898</cusip>
    <value>3192</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>DEUTSCHE BANK A G                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DEUTSCHE BANK A G                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DEUTSCHE BANK A G                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DEUTSCHE BANK A G                       </nameOfIssuer>
    <titleOfClass>NAMEN AKT           </titleOfClass>
    <cusip>D18190898</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ALLEGION PLC                            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
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    <value>25509</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
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    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
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    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMCOR PLC                               </nameOfIssuer>
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      <sshPrnamt>48384</sshPrnamt>
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      <Sole>48384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>420</Sole>
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      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>97627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>28284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>130000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>116422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>1276</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>608023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5848</Sole>
      <Shared>0</Shared>
      <None>816</None>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>342789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>3757</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G02602103</cusip>
    <value>517787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>5675</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3825</Sole>
      <Shared>0</Shared>
      <None>19</None>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>622546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1741</Sole>
      <Shared>0</Shared>
      <None>4</None>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>12843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>713520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>169461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>244000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>28541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>80</None>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>3488756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9665</Sole>
      <Shared>0</Shared>
      <None>114</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>647519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>1474</Sole>
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      <None>341</None>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>2733138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>7619</Sole>
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      <None>42</None>
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  <infoTable>
    <nameOfIssuer>AON PLC                                 </nameOfIssuer>
    <titleOfClass>SHS CL A            </titleOfClass>
    <cusip>G0403H108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>1354</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>8688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1689</Sole>
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      <None>6999</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
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      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3092</Sole>
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      <None>8</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>213</Sole>
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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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    <shrsOrPrnAmt>
      <sshPrnamt>3620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3620</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
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    <value>81034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>890</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>3190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3190</Sole>
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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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    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
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      <sshPrnamt>25289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25060</Sole>
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      <None>229</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>8544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8424</Sole>
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      <None>120</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD                      </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>1869803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20536</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20325</Sole>
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      <None>211</None>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G0585R106</cusip>
    <value>42592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>373</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>7578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>84</Sole>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G0585R106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G0585R106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G0585R106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1228</Sole>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G0585R106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1140</Sole>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>6277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6124</Sole>
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      <None>153</None>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>287169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3237</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G0585R106</cusip>
    <value>560488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>11524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>80980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>23879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>8202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>79</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>186045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>29693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>31146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>7528740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24994</Sole>
      <Shared>0</Shared>
      <None>195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>2353460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>7735</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>690000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>8668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>51708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1900940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>442357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>75619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>937000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>78309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>9888178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>29423</Sole>
      <Shared>0</Shared>
      <None>3660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>3332922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>9969</Sole>
      <Shared>0</Shared>
      <None>1182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>3826091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>10691</Sole>
      <Shared>0</Shared>
      <None>2110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>18720242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>55857</Sole>
      <Shared>0</Shared>
      <None>6776</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>449829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1351</Sole>
      <Shared>0</Shared>
      <None>154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>19669951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>59809</Sole>
      <Shared>0</Shared>
      <None>6001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND                   </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>473442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDICORP LTD                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G2519Y108</cusip>
    <value>958230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREDICORP LTD                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G2519Y108</cusip>
    <value>1118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>516467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5626</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>119983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>112000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>1884103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>20524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>139077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>680789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>25245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CRH PLC                                 </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
    <cusip>G25508105</cusip>
    <value>349666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
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    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
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    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
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    <nameOfIssuer>EATON CORP PLC                          </nameOfIssuer>
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    <cusip>G29183103</cusip>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ESSENT GROUP LTD                        </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>12574</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>347667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>995</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>31266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>64232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>69039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>999</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>100897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1181</Sole>
      <Shared>0</Shared>
      <None>298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>153495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>33428</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>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>96000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>463760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>625</Sole>
      <Shared>0</Shared>
      <None>6173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>186650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2736</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>341646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>453</Sole>
      <Shared>0</Shared>
      <None>4555</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>502099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5327</Sole>
      <Shared>0</Shared>
      <None>2033</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>79476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTIV PLC                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>283386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3927</Sole>
      <Shared>0</Shared>
      <None>227</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FABRINET                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>17091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FABRINET                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>6483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FABRINET                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FABRINET                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>2947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FABRINET                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>141741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FABRINET                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>5010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FABRINET                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>39487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEX LNG LTD                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G35947202</cusip>
    <value>204502</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>879</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>18289</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>485602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTAI AVIATION LTD                       </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3730V105</cusip>
    <value>6557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTAI AVIATION LTD                       </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3730V105</cusip>
    <value>6442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</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>3336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTAI AVIATION LTD                       </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3730V105</cusip>
    <value>192807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1598</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTAI AVIATION LTD                       </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3730V105</cusip>
    <value>105607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>918</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTAI AVIATION LTD                       </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G3730V105</cusip>
    <value>36813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>28649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1223</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>17618</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 ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>18000</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 ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>59302</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 ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>5758</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 ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>132538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5749</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC ORD SHS             </nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G39108108</cusip>
    <value>9995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>434</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENIUS SPORTS LIMITED SHARES</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>G3934V109</cusip>
    <value>10681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENIUS SPORTS LIMITED SHARES</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>G3934V109</cusip>
    <value>138497</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>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>4622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>11040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>36290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>11460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>6000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>1834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>173925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4359</Sole>
      <Shared>0</Shared>
      <None>194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>8289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES     </titleOfClass>
    <cusip>G39387108</cusip>
    <value>10963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS     </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>825760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>164167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS     </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>22670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3159</Sole>
      <Shared>0</Shared>
      <None>1348</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED</nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS     </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>28631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5692</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>3491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>18763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>6000</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>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>223120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1386</Sole>
      <Shared>0</Shared>
      <None>148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>7709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>170322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1078</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                                </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>564637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>13483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>244</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>3824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>211352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>59215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1177</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEATHERFORD INTL PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G48833118</cusip>
    <value>86885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1727</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>34595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>9232</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>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>64733</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>20163</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>22000</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>21648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>53060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>191</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>3714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC                </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G50871105</cusip>
    <value>8808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>83</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>6888325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>64946</Sole>
      <Shared>0</Shared>
      <None>272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>7444520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>69909</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>912000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>8631</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>58408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>164556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>1558</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>3636602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>34431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>160965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>141531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>3949000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>36465</Sole>
      <Shared>920</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>88298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>836</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>25366755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>227634</Sole>
      <Shared>0</Shared>
      <None>12536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>1435798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>8421</Sole>
      <Shared>0</Shared>
      <None>5173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>8516669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>71365</Sole>
      <Shared>0</Shared>
      <None>9270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>17380933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>159643</Sole>
      <Shared>0</Shared>
      <None>4918</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>3238732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>30485</Sole>
      <Shared>0</Shared>
      <None>179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>10519752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>93052</Sole>
      <Shared>0</Shared>
      <None>6548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>2650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>1060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>33920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>71020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC                   </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G51502105</cusip>
    <value>2650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>1899710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3909</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>798075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1692</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>366000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>18767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>2223913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>520790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>7976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>957000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>632924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>982</Sole>
      <Shared>0</Shared>
      <None>367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>18298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>10669048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>21927</Sole>
      <Shared>0</Shared>
      <None>813</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>2563130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5299</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>8468230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17824</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                               </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G54950103</cusip>
    <value>686410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2859263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32167</Sole>
      <Shared>0</Shared>
      <None>634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>3911405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>44847</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>363000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>33909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>81678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2865801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>32876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>269791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>3095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>21367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2668000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>29936</Sole>
      <Shared>675</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>32689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>8818727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>99013</Sole>
      <Shared>0</Shared>
      <None>2154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>233877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2683</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>2912001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>33271</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>7268611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>80934</Sole>
      <Shared>0</Shared>
      <None>2450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1893768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>21422</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>11709372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>115801</Sole>
      <Shared>0</Shared>
      <None>18527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>136160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1562</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>3834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL LTD                      </nameOfIssuer>
    <titleOfClass>COM CL C            </titleOfClass>
    <cusip>G61188127</cusip>
    <value>7021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL LTD                      </nameOfIssuer>
    <titleOfClass>COM CL C            </titleOfClass>
    <cusip>G61188127</cusip>
    <value>7031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL LTD                      </nameOfIssuer>
    <titleOfClass>COM CL C            </titleOfClass>
    <cusip>G61188127</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL LTD                      </nameOfIssuer>
    <titleOfClass>COM CL C            </titleOfClass>
    <cusip>G61188127</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL LTD                      </nameOfIssuer>
    <titleOfClass>COM CL C            </titleOfClass>
    <cusip>G61188127</cusip>
    <value>83233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8053</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL LTD                      </nameOfIssuer>
    <titleOfClass>COM CL C            </titleOfClass>
    <cusip>G61188127</cusip>
    <value>3402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY GLOBAL LTD                      </nameOfIssuer>
    <titleOfClass>COM CL C            </titleOfClass>
    <cusip>G61188127</cusip>
    <value>33538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>19023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>938</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>17928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>95316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4700</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>238391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
    <value>81769</value>
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      <sshPrnamt>4032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>3982</Sole>
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      <None>50</None>
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  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G66721104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1534</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>16660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>16660</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
    <cusip>G6683N103</cusip>
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      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>1150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
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      <sshPrnamt>32400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>32400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
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    <value>101254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>7380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
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    <value>229000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>105643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>105643</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>49757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>49757</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                            </nameOfIssuer>
    <titleOfClass>ORD SHS CL A        </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>98106</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>97415</Sole>
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      <None>691</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>43542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>1345602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>17939</Sole>
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      <None>431</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>284000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3875</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>28714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1767</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>394</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>11422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11422</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>275</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
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      <Sole>275</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>88325</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>79251</Sole>
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      <None>9074</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>7670</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3854</Sole>
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      <None>3816</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>2013496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>20662</Sole>
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      <None>6826</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>9673175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>129247</Sole>
      <Shared>0</Shared>
      <None>2810</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>652145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>8813</Sole>
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      <None>90</None>
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  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>11720513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160007</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>144016</Sole>
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      <None>15991</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>5603</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5503</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>215</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>215</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <value>175959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1714</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>1714</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <value>43528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>424</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>0</Sole>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>2028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1830</Sole>
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      <None>198</None>
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  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>10266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>2110587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5109</Sole>
      <Shared>0</Shared>
      <None>15450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>12145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>11173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>128251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>30362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>4372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>674776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2769</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>36678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>54167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>223</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>2017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>7945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>49588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>3099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>5173</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>459</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>48337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>4249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>377</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G76279101</cusip>
    <value>10977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>21582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>246</Sole>
      <Shared>0</Shared>
      <None>353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>15601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>422</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>145922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>34769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>62000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>62008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>454627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12315</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>39885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>969</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC                      </nameOfIssuer>
    <titleOfClass>SHS CLASS A         </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>86904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>81835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>1372145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9302</Sole>
      <Shared>0</Shared>
      <None>205</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>154866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL            </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>190371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1263</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>86300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>38404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>38000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>1517162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>35175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>53074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>31758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC                    </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>24552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>168875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>142210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>590</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>7207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>240220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>54050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>297000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>178964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>671</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>1886448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7545</Sole>
      <Shared>0</Shared>
      <None>308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>684627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2832</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                              </nameOfIssuer>
    <titleOfClass>SHS USD             </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>1595061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6390</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>544804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3211</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>26987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>2000</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>1687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>4891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>892264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4414</Sole>
      <Shared>0</Shared>
      <None>876</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>22770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC                     </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>G87052109</cusip>
    <value>4164125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>24688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>54966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1528</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>32787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>144648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>39089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>277621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7495</Sole>
      <Shared>0</Shared>
      <None>566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>27242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>791</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G87110105</cusip>
    <value>47114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>2846227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6476</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1014791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3</None>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
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      <sshPrnamt>1096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1096</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
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      <Sole>62</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>1006043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>2300</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>238388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>545</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>
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    <shrsOrPrnAmt>
      <sshPrnamt>570</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>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>402</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>20979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20541</Sole>
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      <None>438</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>18927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>18927</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>11558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>11502</Sole>
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      <None>56</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>8058439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>18030</Sole>
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      <None>393</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1277675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>2896</Sole>
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      <None>25</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>4584057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>10279</Sole>
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      <None>201</None>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>265508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>607</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>560102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13598</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                           </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>208010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5050</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>6148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>138</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>11496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>273</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>2990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</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>71</None>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>370989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8810</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>8695</Sole>
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      <None>115</None>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
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    <cusip>G9460G101</cusip>
    <value>17476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>415</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                             </nameOfIssuer>
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    <cusip>G9460G101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3255</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>53872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>8979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>136475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
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      <None>4</None>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>12570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>4</Sole>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>5387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>24826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>306500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>68962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>21762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>71</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>1810496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5907</Sole>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
    <value>233246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>761</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G96629103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>1849</Sole>
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  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>10955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>38958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1458</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>1870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>116312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4301</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>5852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>G97822103</cusip>
    <value>27308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>119796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>211607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2397</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>400000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>205163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2103</Sole>
      <Shared>0</Shared>
      <None>221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>2338361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>26201</Sole>
      <Shared>0</Shared>
      <None>287</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>98167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALCON AG                                </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>H01301128</cusip>
    <value>2518452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>26389</Sole>
      <Shared>0</Shared>
      <None>2139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>2328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>25529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>25000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>116005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>26492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>4415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>248627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2948</Sole>
      <Shared>0</Shared>
      <None>149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>18705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>161</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA                         </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>H11356104</cusip>
    <value>69522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>809</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>2045423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6966</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>34477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>1186983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>273496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>73000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>58813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>10065087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>33578</Sole>
      <Shared>0</Shared>
      <None>1163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>647234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>922</Sole>
      <Shared>0</Shared>
      <None>1312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>11015444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37821</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>84323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>29</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>84114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>45000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>331865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>78270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>81818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>305</Sole>
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      <None>87</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>1878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>2598564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>12286</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>33604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>137</Sole>
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      <None>24</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>556865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2668</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>2668</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>128154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>614</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMRIZE LTD                              </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H2927K103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4102</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4102</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>46908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>726</Sole>
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      <None>661</None>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>378919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11204</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
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      <sshPrnamt>470</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>470</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>4492371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132755</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>132755</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>416000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12296</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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    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>36931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1092</None>
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    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
    <value>1697493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50192</sshPrnamt>
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      <Sole>48362</Sole>
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      <None>1830</None>
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    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <Sole>18521</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>48500</sshPrnamt>
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      <Sole>48212</Sole>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>H42097107</cusip>
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      <sshPrnamt>21694</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>SPORTRADAR GROUP AG                     </nameOfIssuer>
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      <sshPrnamt>9145</sshPrnamt>
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      <Sole>9145</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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  <infoTable>
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    <titleOfClass>SHS                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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      <sshPrnamt>54</sshPrnamt>
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  <infoTable>
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    <titleOfClass>SHS                 </titleOfClass>
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  <infoTable>
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    <titleOfClass>SHS                 </titleOfClass>
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    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>SHS                 </titleOfClass>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8955</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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      <sshPrnamt>4346</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A                  </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>L8681T102</cusip>
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      <sshPrnamt>6378</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>339</Sole>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
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    <shrsOrPrnAmt>
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      <Sole>2007</Sole>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT            </nameOfIssuer>
    <titleOfClass>ORD                 </titleOfClass>
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      <Sole>1128</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>427</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WIX COM LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M98068105</cusip>
    <value>2377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WIX COM LTD                             </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>M98068105</cusip>
    <value>77328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>467</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>5850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>9594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>143442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>207090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>1761</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>502047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV                      </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N00985106</cusip>
    <value>1199601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>493656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>573</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>1032190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1288</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>19233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>627000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>62508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>5834119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6679</Sole>
      <Shared>0</Shared>
      <None>601</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>1925740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2228</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASML HOLDING N V                        </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS    </titleOfClass>
    <cusip>N07059210</cusip>
    <value>4176043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5117</Sole>
      <Shared>0</Shared>
      <None>94</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>2614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>12650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>13000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>67464</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>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>17288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>109713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1208</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>9023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELASTIC N V                             </nameOfIssuer>
    <titleOfClass>ORD SHS             </titleOfClass>
    <cusip>N14506104</cusip>
    <value>32298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>12377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>334</Sole>
      <Shared>0</Shared>
      <None>621</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>77488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>5979</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>52000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>115344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>8900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>21967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>167806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8891</Sole>
      <Shared>0</Shared>
      <None>4057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>3383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>123</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNH INDL N V                            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N20944109</cusip>
    <value>24883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>883</Sole>
      <Shared>0</Shared>
      <None>1037</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>45639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>221324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>12759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FERRARI N V                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>240000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
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  <infoTable>
    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
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    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
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    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
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    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
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    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
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    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
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    <nameOfIssuer>QIAGEN NV                               </nameOfIssuer>
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      <None>0</None>
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    <cusip>N82405106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>979</None>
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    <nameOfIssuer>STELLANTIS N.V                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N82405106</cusip>
    <value>105676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9040</Sole>
      <Shared>0</Shared>
      <None>1496</None>
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    <nameOfIssuer>STELLANTIS N.V                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N82405106</cusip>
    <value>642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>64</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STELLANTIS N.V                          </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>N82405106</cusip>
    <value>17402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MAKEMYTRIP LIMITED MAURITIUS            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>7456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MAKEMYTRIP LIMITED MAURITIUS            </nameOfIssuer>
    <titleOfClass>SHS                 </titleOfClass>
    <cusip>V5633W109</cusip>
    <value>23623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>432</Sole>
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      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>114000</value>
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      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>365</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>745273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>2380</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
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    <value>172227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
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    <value>18162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>63000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>41961</value>
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      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>2391450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>7630</Sole>
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      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>328171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>994</Sole>
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      <None>54</None>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>543298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1735</Sole>
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      <None>0</None>
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    <nameOfIssuer>FLEX LTD                                </nameOfIssuer>
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      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLEX LTD                                </nameOfIssuer>
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      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>92</None>
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  <infoTable>
    <nameOfIssuer>FLEX LTD                                </nameOfIssuer>
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      <sshPrnamt>6225</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6214</Sole>
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      <None>11</None>
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  <infoTable>
    <nameOfIssuer>FLEX LTD                                </nameOfIssuer>
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      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLEX LTD                                </nameOfIssuer>
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      <sshPrnamt>742</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>742</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLEX LTD                                </nameOfIssuer>
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      <sshPrnamt>13833</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>13833</Sole>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
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      <sshPrnamt>36</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>36</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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      <sshPrnamt>1325</sshPrnamt>
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      <Sole>1325</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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      <sshPrnamt>175</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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    <value>266000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3606</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3606</Sole>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
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      <sshPrnamt>2281</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2281</Sole>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
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      <sshPrnamt>13631</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13631</Sole>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
    <cusip>000360206</cusip>
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      <sshPrnamt>481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>481</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AAON INC                                </nameOfIssuer>
    <titleOfClass>COM PAR $0.004      </titleOfClass>
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      <sshPrnamt>9596</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ADT INC DEL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00090Q103</cusip>
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      <sshPrnamt>502</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>502</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADT INC DEL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00090Q103</cusip>
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      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADT INC DEL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>950</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ADT INC DEL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00090Q103</cusip>
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      <sshPrnamt>4110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADT INC DEL                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <None>1528</None>
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      <None>0</None>
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    <nameOfIssuer>AEGON LTD                               </nameOfIssuer>
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    <cusip>0076CA104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>120</None>
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  <infoTable>
    <nameOfIssuer>AEGON LTD                               </nameOfIssuer>
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    <cusip>0076CA104</cusip>
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      <sshPrnamt>8596</sshPrnamt>
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    <otherManager>7</otherManager>
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      <None>1606</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <Sole>285</Sole>
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      <None>521</None>
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    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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    <titleOfClass>COM                 </titleOfClass>
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    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9</Sole>
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      <None>0</None>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>9</None>
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    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>2753</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2208</Sole>
      <Shared>0</Shared>
      <None>545</None>
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    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>00766T100</cusip>
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      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>77</None>
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  <infoTable>
    <nameOfIssuer>AECOM                                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>522</Sole>
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      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>18</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC</nameOfIssuer>
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      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>426</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC</nameOfIssuer>
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      <sshPrnamt>115</sshPrnamt>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>1071</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3354</Sole>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC</nameOfIssuer>
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      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>77</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED DRAIN SYS INC</nameOfIssuer>
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    <cusip>00790R104</cusip>
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      <sshPrnamt>3251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3158</Sole>
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      <None>93</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>500056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3524</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>3204</Sole>
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      <None>320</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3381</Sole>
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      <None>11</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2492</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
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    <cusip>007903107</cusip>
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      <sshPrnamt>16268</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>16268</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>3795</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>137000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>967</Sole>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>632</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
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    <cusip>007903107</cusip>
    <value>15183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
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      <sshPrnamt>42194</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>39870</Sole>
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      <None>2324</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>308065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2171</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1714</Sole>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>2625434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18502</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>18460</Sole>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>007973100</cusip>
    <value>5168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>34</Sole>
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  <infoTable>
    <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ADVANCED ENERGY INDS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1988</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
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    <titleOfClass>COM</titleOfClass>
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    <value>663</value>
    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
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    <nameOfIssuer>AFFILIATED MANAGERS GROUP IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC                </nameOfIssuer>
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      <Sole>305</Sole>
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      <None>0</None>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3</None>
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      <sshPrnamt>2493</sshPrnamt>
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    <otherManager>7</otherManager>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>87</Sole>
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      <None>8</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>255</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>011659109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>1175</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>1175</Sole>
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      <None>0</None>
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      <sshPrnamt>131</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>131</Sole>
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      <None>0</None>
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  <infoTable>
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    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>5</None>
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    <cusip>011659109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5844</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>5622</Sole>
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      <None>222</None>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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    <cusip>011659109</cusip>
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      <sshPrnamt>893</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>893</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALASKA AIR GROUP INC                    </nameOfIssuer>
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      <sshPrnamt>1649</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1649</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>115</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>38</Sole>
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      <None>77</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>662</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>48</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <sshPrnamt>30</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>645</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP                          </nameOfIssuer>
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      <Sole>4226</Sole>
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  <infoTable>
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      <sshPrnamt>97</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>26277</sshPrnamt>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>193</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1008</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>800</sshPrnamt>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>108</sshPrnamt>
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    <value>105205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4891</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4822</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>013091103</cusip>
    <value>22349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Shared>0</Shared>
      <None>105</None>
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  <infoTable>
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    <cusip>013091103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>9</otherManager>
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      <Sole>922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>38</None>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>10388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <None>7</None>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>10000</value>
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      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>345</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
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    <value>76726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>13</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
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    <cusip>013872106</cusip>
    <value>19919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>013872106</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
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  <infoTable>
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    <value>106797</value>
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      <sshPrnamt>3619</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3606</Sole>
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      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>74424</value>
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      <sshPrnamt>2522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>236</Sole>
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      <None>2286</None>
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  <infoTable>
    <nameOfIssuer>ALCOA CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>013872106</cusip>
    <value>168296</value>
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      <sshPrnamt>5703</sshPrnamt>
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    <otherManager>9</otherManager>
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      <Sole>5564</Sole>
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      <None>139</None>
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    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
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    <value>6383</value>
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      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>308</Sole>
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      <None>50</None>
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  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>189</Sole>
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  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
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    <cusip>014491104</cusip>
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      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>224</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
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    <cusip>014491104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>189</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>014491104</cusip>
    <value>89685</value>
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      <sshPrnamt>5030</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
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      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>277</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
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    <cusip>014491104</cusip>
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      <sshPrnamt>1937</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1937</Sole>
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  <infoTable>
    <nameOfIssuer>ALEXANDER &amp; BALDWIN INC NEW             </nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>7229</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
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    <cusip>015271109</cusip>
    <value>43287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>595</Sole>
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      <None>1</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>120929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1665</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>27963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>385</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
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    <cusip>015271109</cusip>
    <value>31000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>420</Sole>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
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    <cusip>015271109</cusip>
    <value>5447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>385738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5311</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5179</Sole>
      <Shared>0</Shared>
      <None>132</None>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>25420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>287</Sole>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>94201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1297</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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  <infoTable>
    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>015271109</cusip>
    <value>922038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12695</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>12695</Sole>
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  <infoTable>
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      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>850</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
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      <sshPrnamt>25156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25156</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
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      <sshPrnamt>2839</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2839</Sole>
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  <infoTable>
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      <sshPrnamt>1391</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1391</Sole>
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  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD                  </nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>5802</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>248</Sole>
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  <infoTable>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>703501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>14959</Sole>
      <Shared>0</Shared>
      <None>3390</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>20742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY                    </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>05722G100</cusip>
    <value>175521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3960</Sole>
      <Shared>0</Shared>
      <None>618</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>1318900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23350</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>73197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1298</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>33000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>170514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>36458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>650</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>11000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>197</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>6338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>333287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4548</Sole>
      <Shared>0</Shared>
      <None>1394</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>127324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>2229</Sole>
      <Shared>0</Shared>
      <None>41</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>193062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3186</Sole>
      <Shared>0</Shared>
      <None>256</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>058498106</cusip>
    <value>198783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCFIRST CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05945F103</cusip>
    <value>1113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANCFIRST CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05945F103</cusip>
    <value>2349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCFIRST CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05945F103</cusip>
    <value>371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCFIRST CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05945F103</cusip>
    <value>17060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>58</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCFIRST CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05945F103</cusip>
    <value>3585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCFIRST CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>05945F103</cusip>
    <value>193836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>30325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1973</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>346686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19347</Sole>
      <Shared>0</Shared>
      <None>3209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>4995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>325</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA            </nameOfIssuer>
    <titleOfClass>SPONSORED ADR       </titleOfClass>
    <cusip>05946K101</cusip>
    <value>193616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11514</Sole>
      <Shared>0</Shared>
      <None>1083</None>
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  <infoTable>
    <nameOfIssuer>BANCO BRADESCO S A </nameOfIssuer>
    <titleOfClass>SP ADR PFD NEW       </titleOfClass>
    <cusip>059460303</cusip>
    <value>294106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <votingAuthority>
      <Sole>95180</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>28419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>473</Sole>
      <Shared>0</Shared>
      <None>2951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>203906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>24567</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>225000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>27101</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>21032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2534</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>454533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>48075</Sole>
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      <None>6688</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>6374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>768</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>33179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>30765</Sole>
      <Shared>0</Shared>
      <None>2414</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>328346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>326050</Sole>
      <Shared>0</Shared>
      <None>2296</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>10251689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>216511</Sole>
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      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>1361000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>28771</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>060505104</cusip>
    <value>72210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>BIGCOMMERCE HLDGS INC                   </nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>500</sshPrnamt>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>97</Sole>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>190</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK HILLS CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>092113109</cusip>
    <value>1964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK HILLS CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>092113109</cusip>
    <value>7000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK HILLS CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>092113109</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK HILLS CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>092113109</cusip>
    <value>194611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK HILLS CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>092113109</cusip>
    <value>7237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK HILLS CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>092113109</cusip>
    <value>17447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>20363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>3990141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>247681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>3916000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>243081</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>67000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>1352322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>83943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>12856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>798</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>318688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>19782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>171056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10618</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>1933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK ETF TRUST II </nameOfIssuer>
    <titleOfClass>ISHARES HIGH YIE </titleOfClass>
    <cusip>092528843</cusip>
    <value>175311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3605</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK ETF TRUST II </nameOfIssuer>
    <titleOfClass>ISHARES HIGH YIE </titleOfClass>
    <cusip>092528843</cusip>
    <value>95266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN     </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09253N104</cusip>
    <value>109995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7860</Sole>
      <Shared>0</Shared>
      <None>1961</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN     </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09253N104</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN     </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09253N104</cusip>
    <value>1949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN     </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09253N104</cusip>
    <value>7672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN     </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09253N104</cusip>
    <value>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN     </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09254F100</cusip>
    <value>188870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUN TARGET TERM TR            </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>09257P105</cusip>
    <value>184314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6512</Sole>
      <Shared>0</Shared>
      <None>1908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUN TARGET TERM TR            </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>09257P105</cusip>
    <value>18000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>828</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUN TARGET TERM TR            </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>09257P105</cusip>
    <value>18125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>828</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUN TARGET TERM TR            </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>09257P105</cusip>
    <value>14294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUN TARGET TERM TR            </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>09257P105</cusip>
    <value>306</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>BLACKSTONE STRATEGIC CRED 20            </nameOfIssuer>
    <titleOfClass>COM SHS BEN IN      </titleOfClass>
    <cusip>09257R101</cusip>
    <value>137029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TCP CAPITAL CORP              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09259E108</cusip>
    <value>185739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>772730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3858</Sole>
      <Shared>0</Shared>
      <None>1308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>236037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>1094178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>7315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>261017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>463000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>09260D107</cusip>
    <value>244115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>SH BEN INT NEW      </titleOfClass>
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    <titleOfClass>SH BEN INT NEW      </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D </nameOfIssuer>
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    <value>247</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>109194100</cusip>
    <value>742</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>109194100</cusip>
    <value>8528</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>109194100</cusip>
    <value>76131</value>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC </nameOfIssuer>
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      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC </nameOfIssuer>
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    <cusip>10922N103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC </nameOfIssuer>
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      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC </nameOfIssuer>
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      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2466</Sole>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC </nameOfIssuer>
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    <cusip>10922N103</cusip>
    <value>28713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>441</Sole>
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      <None>93</None>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>604</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>604</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC                            </nameOfIssuer>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>135</sshPrnamt>
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      <None>0</None>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>6609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
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    <cusip>113004105</cusip>
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      <None>0</None>
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    <nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD            </nameOfIssuer>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2650</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
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    <cusip>115236101</cusip>
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      <sshPrnamt>538</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>538</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
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      <sshPrnamt>986</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>986</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
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      <sshPrnamt>2365</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BROWN &amp; BROWN INC                       </nameOfIssuer>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>68</None>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
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      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>540</Sole>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
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      <sshPrnamt>1825</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
    <titleOfClass>CL B                </titleOfClass>
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    <value>8288</value>
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      <sshPrnamt>308</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>308</Sole>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
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      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>113</Sole>
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  <infoTable>
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      <sshPrnamt>126</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>4797</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4486</Sole>
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      <None>311</None>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
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      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>132</Sole>
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      <None>32</None>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
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      <sshPrnamt>1773</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1759</Sole>
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  <infoTable>
    <nameOfIssuer>BROWN FORMAN CORP                       </nameOfIssuer>
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      <sshPrnamt>7987</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>8003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8003</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>116794108</cusip>
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      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>1250</sshPrnamt>
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      <Sole>1250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRUKER CORP                             </nameOfIssuer>
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      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>345</Sole>
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    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>409000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>199106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7745</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>2501072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>97934</Sole>
      <Shared>0</Shared>
      <None>611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>71597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2779</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>1531937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>60153</Sole>
      <Shared>0</Shared>
      <None>207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127097103</cusip>
    <value>1312425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>51711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>4290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>885232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>1817</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>885000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>1817</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>96770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>203</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>26218</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>477</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>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>1817657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3813</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>15254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CACI INTL INC                           </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>127190304</cusip>
    <value>9534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>530942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1684</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>578089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>133000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>847412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>198757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>500000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1622</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>71799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>7704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>4659536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13187</Sole>
      <Shared>0</Shared>
      <None>1934</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>378100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1175</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>1537052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4360</Sole>
      <Shared>0</Shared>
      <None>628</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CADENCE DESIGN SYSTEM INC               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>127387108</cusip>
    <value>240049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>779</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU            </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>128125101</cusip>
    <value>820800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>45000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>6311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>39442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>23000</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>114944</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>26820</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>77000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>76967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>298854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>161034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMDEN PPTY TR                          </nameOfIssuer>
    <titleOfClass>SH BEN INT          </titleOfClass>
    <cusip>133131102</cusip>
    <value>302122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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    <nameOfIssuer>CARMAX INC                              </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>CORPAY INC                              </nameOfIssuer>
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    <nameOfIssuer>CORPAY INC                              </nameOfIssuer>
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      <None>97</None>
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    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
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    <cusip>22002T108</cusip>
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    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
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    <cusip>22002T108</cusip>
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    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
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    <titleOfClass>SHS BEN INT         </titleOfClass>
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    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
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    <cusip>22002T108</cusip>
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    <cusip>22002T108</cusip>
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    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>29759</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
    <value>84229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3054</sshPrnamt>
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    <nameOfIssuer>COPT DEFENSE PROPERTIES                 </nameOfIssuer>
    <titleOfClass>SHS BEN INT         </titleOfClass>
    <cusip>22002T108</cusip>
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      <None>0</None>
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    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
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    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>6852</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
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    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC                             </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CORVEL CORP                             </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CORVEL CORP                             </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CORVEL CORP                             </nameOfIssuer>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>78776</Sole>
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      <None>636</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>204</Sole>
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      <None>0</None>
    </votingAuthority>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>305</Sole>
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      <None>0</None>
    </votingAuthority>
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      <Sole>305</Sole>
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      <None>0</None>
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    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
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      <sshPrnamt>1833</sshPrnamt>
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      <None>0</None>
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    <cusip>222795502</cusip>
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      <sshPrnamt>215</sshPrnamt>
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      <sshPrnamt>2648</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Sole>2648</Sole>
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      <Sole>2648</Sole>
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      <None>8</None>
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      <Sole>9555</Sole>
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      <None>310</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COUSINS PPTYS INC                       </nameOfIssuer>
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      <Sole>7813</Sole>
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  <infoTable>
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    <cusip>222795502</cusip>
    <value>371141</value>
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      <sshPrnamt>12359</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>12359</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>12980</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>12980</Sole>
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      <None>0</None>
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    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>109</None>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>140</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>500</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
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      <sshPrnamt>140</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>541</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>541</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>541</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>1694</sshPrnamt>
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      <None>238</None>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>1206</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CRANE COMPANY                           </nameOfIssuer>
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      <sshPrnamt>2154</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>62</Sole>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <value>7546</value>
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      <sshPrnamt>140</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>140</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CRANE NXT CO                            </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2489</Sole>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>949</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>949</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
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      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
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    <cusip>225310101</cusip>
    <value>25472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>50</Sole>
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  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>12736</value>
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      <sshPrnamt>25</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>25</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>24962</value>
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      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>49</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>225310101</cusip>
    <value>4585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9</Sole>
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  <infoTable>
    <nameOfIssuer>CREDIT ACCEP CORP MICH                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>440657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>865</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>1247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1216</Sole>
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      <None>31</None>
    </votingAuthority>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CROWN HLDGS INC                         </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CUBESMART                               </nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>CUBESMART                               </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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    <cusip>25434V500</cusip>
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    <cusip>25434V609</cusip>
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    <shrsOrPrnAmt>
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    <cusip>25434V708</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>65258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE    </titleOfClass>
    <cusip>25434V724</cusip>
    <value>981107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL     </titleOfClass>
    <cusip>25434V807</cusip>
    <value>2536778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>59229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST                   </nameOfIssuer>
    <titleOfClass>WORLD EX US CORE    </titleOfClass>
    <cusip>25434V880</cusip>
    <value>879631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>29950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>9814027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>71823</Sole>
      <Shared>0</Shared>
      <None>7316</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>3677889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>29291</Sole>
      <Shared>0</Shared>
      <None>367</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>1138000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>5332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>20462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>165</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>2281536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>18398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>535351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>4317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>175722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>1550000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>90403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>18078550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>137819</Sole>
      <Shared>0</Shared>
      <None>7964</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>2833008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>19734</Sole>
      <Shared>0</Shared>
      <None>3111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>5698011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>40605</Sole>
      <Shared>0</Shared>
      <None>5343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>16640805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>129139</Sole>
      <Shared>0</Shared>
      <None>5050</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>11687198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>93917</Sole>
      <Shared>0</Shared>
      <None>327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>254687106</cusip>
    <value>27726528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>182699</Sole>
      <Shared>0</Shared>
      <None>40884</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIVERSIFIED HEALTHCARE TR               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>25525P107</cusip>
    <value>637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIVERSIFIED HEALTHCARE TR               </nameOfIssuer>
    <titleOfClass>COM SH BEN INT      </titleOfClass>
    <cusip>25525P107</cusip>
    <value>78069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>21807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>8646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>24146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>24000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>149549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>38556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>4206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
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  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>443817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5555</Sole>
      <Shared>0</Shared>
      <None>143</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
    <value>8802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>256163106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>3267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>406945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>5310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>407000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>5310</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>36387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>25659T107</cusip>
    <value>4456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>60</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC                  </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
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    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
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    <nameOfIssuer>EDISON INTL                             </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>220</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC                      </nameOfIssuer>
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      <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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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
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    <cusip>30231G102</cusip>
    <value>800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>1725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>30231G102</cusip>
    <value>75</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>
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    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>26887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>518</Sole>
      <Shared>0</Shared>
      <None>126</None>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>176770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>496</Sole>
      <Shared>0</Shared>
      <None>3738</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>164000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>205</Sole>
      <Shared>0</Shared>
      <None>3734</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>49682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>16909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>2672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>452528</value>
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      <sshPrnamt>10839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10165</Sole>
      <Shared>0</Shared>
      <None>674</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>12149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>129</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP                                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>302491303</cusip>
    <value>61999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>808</Sole>
      <Shared>0</Shared>
      <None>677</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>4636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>10818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>61746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>4235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>4520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>12000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>1196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</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>82</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>192106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13176</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>39</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>F N B CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302520101</cusip>
    <value>68176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4676</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>5491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>26</None>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>54102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>183</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>41000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>151</None>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>64600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>19380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>120</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>66054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>331</Sole>
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      <None>78</None>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
    <value>3553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>16</Sole>
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      <None>6</None>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>302941109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2328</Sole>
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      <None>4</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>29548</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>29132</Sole>
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      <None>416</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>13193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13171</Sole>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>30303M102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5801</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>96</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC                      </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>23</Sole>
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  <infoTable>
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    <cusip>313745101</cusip>
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    <cusip>313745101</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <None>55</None>
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      <None>0</None>
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    <cusip>31946M103</cusip>
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    <cusip>31946M103</cusip>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>7</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>190</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>212</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>193</Sole>
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  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
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      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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    <value>27456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1100</Sole>
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  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>184</None>
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  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
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    <cusip>32051X108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>263</None>
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  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>285</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>11668</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>578</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>578</Sole>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13505</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
    <value>1908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
    <value>30062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>1781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>20696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>67382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>14680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>46445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>24643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>512</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>527601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>10962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>18375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>28473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>28000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>182094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>48007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>5297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>1490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>337039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1868</Sole>
      <Shared>0</Shared>
      <None>168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>121175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>686</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>523934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3162</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>DJ INTERNT IDX      </titleOfClass>
    <cusip>33738R118</cusip>
    <value>250477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>NO AMER ENERGY      </titleOfClass>
    <cusip>33738D101</cusip>
    <value>693000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>18464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>NO AMER ENERGY      </titleOfClass>
    <cusip>33738D101</cusip>
    <value>692585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>18464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD             </nameOfIssuer>
    <titleOfClass>NO AMER ENERGY      </titleOfClass>
    <cusip>33738D101</cusip>
    <value>22506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD             </nameOfIssuer>
    <titleOfClass>NASD TECH DIV       </titleOfClass>
    <cusip>33738R118</cusip>
    <value>466720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>1446347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8276</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>18103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>984461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>234995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>159000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>149824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>7535524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>41616</Sole>
      <Shared>0</Shared>
      <None>2091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
    <value>8296542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>48007</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>337738108</cusip>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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      <sshPrnamt>151</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <None>0</None>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <sshPrnamt>45</sshPrnamt>
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      <None>5</None>
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      <sshPrnamt>40</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>1340</sshPrnamt>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>1477</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>1477</sshPrnamt>
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      <sshPrnamt>10296</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>4782</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>8300</sshPrnamt>
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      <Sole>8300</Sole>
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      <None>0</None>
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      <sshPrnamt>333</sshPrnamt>
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    <votingAuthority>
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      <None>21</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>310</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC                      </nameOfIssuer>
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      <None>0</None>
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      <sshPrnamt>438</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>39865</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>3632</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>1948</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>45312</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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    <titleOfClass>AEROSPACE DEFN      </titleOfClass>
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    <cusip>46137V308</cusip>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
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    <cusip>46137V357</cusip>
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      <None>0</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT      </titleOfClass>
    <cusip>46137V357</cusip>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T            </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>74323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>4635000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>74323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>8951341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>143543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>98217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR                         </nameOfIssuer>
    <titleOfClass>ISHARES NEW         </titleOfClass>
    <cusip>464285204</cusip>
    <value>179597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI WORLD ETF      </titleOfClass>
    <cusip>464286392</cusip>
    <value>1356056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8006</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI WORLD ETF      </titleOfClass>
    <cusip>464286392</cusip>
    <value>63687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI BRAZIL ETF     </titleOfClass>
    <cusip>464286400</cusip>
    <value>566297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19629</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI BRAZIL ETF     </titleOfClass>
    <cusip>464286400</cusip>
    <value>349979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>JP MORGAN EM ETF    </titleOfClass>
    <cusip>464286517</cusip>
    <value>279458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6919</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI EURZONE ETF    </titleOfClass>
    <cusip>464286608</cusip>
    <value>208075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI EQUAL WEITE    </titleOfClass>
    <cusip>464286681</cusip>
    <value>16562853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>167099</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI SWITZERLAND    </titleOfClass>
    <cusip>464286749</cusip>
    <value>126063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI SWITZERLAND    </titleOfClass>
    <cusip>464286749</cusip>
    <value>1754523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>32011</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI SWEDEN ETF     </titleOfClass>
    <cusip>464286756</cusip>
    <value>366469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC                             </nameOfIssuer>
    <titleOfClass>MSCI STH KOR ETF    </titleOfClass>
    <cusip>464286772</cusip>
    <value>202922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2827</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF         </titleOfClass>
    <cusip>464287101</cusip>
    <value>542352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1782</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF         </titleOfClass>
    <cusip>464287101</cusip>
    <value>60870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF         </titleOfClass>
    <cusip>464287101</cusip>
    <value>12236087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>40204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF         </titleOfClass>
    <cusip>464287101</cusip>
    <value>6540482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21490</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MORNINGSTR US EQ    </titleOfClass>
    <cusip>464287127</cusip>
    <value>565719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK    </titleOfClass>
    <cusip>464287150</cusip>
    <value>307216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK    </titleOfClass>
    <cusip>464287150</cusip>
    <value>2324849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>17216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK    </titleOfClass>
    <cusip>464287150</cusip>
    <value>292902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>560325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>20889154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>157286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>390329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2939</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF    </titleOfClass>
    <cusip>464287168</cusip>
    <value>9074243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>64105</Sole>
      <Shared>0</Shared>
      <None>4220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>375126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>1761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>74167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>12655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>11224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>1673268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>15206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>443021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4026</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>TIPS BD ETF         </titleOfClass>
    <cusip>464287176</cusip>
    <value>2139398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>18995</Sole>
      <Shared>0</Shared>
      <None>447</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF     </titleOfClass>
    <cusip>464287200</cusip>
    <value>41879084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67449</sshPrnamt>
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    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF    </titleOfClass>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>5302644</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF    </titleOfClass>
    <cusip>464288158</cusip>
    <value>163019</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MRGSTR MD CP ETF    </titleOfClass>
    <cusip>464288208</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF    </titleOfClass>
    <cusip>464288224</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US     </titleOfClass>
    <cusip>464288240</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <cusip>464288257</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <cusip>464288273</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <cusip>464288273</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF    </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                              </nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT    </titleOfClass>
    <cusip>464288638</cusip>
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    <titleOfClass>ISHS 1-5YR INVS     </titleOfClass>
    <cusip>464288646</cusip>
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    <shrsOrPrnAmt>
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    <cusip>464288646</cusip>
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    <shrsOrPrnAmt>
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    <cusip>464288661</cusip>
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    <titleOfClass>GLB CNSM STP ETF    </titleOfClass>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1513</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>3008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>18275</sshPrnamt>
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      <Sole>18275</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>5</None>
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  <infoTable>
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    <cusip>498894104</cusip>
    <value>3592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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    <cusip>498894104</cusip>
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      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>19</None>
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  <infoTable>
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    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>498894104</cusip>
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      <sshPrnamt>7</sshPrnamt>
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      <None>7</None>
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  <infoTable>
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    <cusip>498894104</cusip>
    <value>176179</value>
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      <sshPrnamt>2158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1940</Sole>
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      <None>218</None>
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  <infoTable>
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    <cusip>498894104</cusip>
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      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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      <sshPrnamt>67955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>67955</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>170</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>12384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>275</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>275</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>77624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1755</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>21894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</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>19</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>176478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3990</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>19417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>289</Sole>
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      <None>150</None>
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  <infoTable>
    <nameOfIssuer>KNIGHT-SWIFT TRANSN HLDGS IN            </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>499049104</cusip>
    <value>86027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>1945</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KOHLS CORP                              </nameOfIssuer>
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      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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  <infoTable>
    <nameOfIssuer>KOHLS CORP                              </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>50</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>
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      <sshPrnamt>50</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1210</sshPrnamt>
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    <otherManager>13</otherManager>
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  <infoTable>
    <nameOfIssuer>KOHLS CORP                              </nameOfIssuer>
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      <sshPrnamt>570</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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  <infoTable>
    <nameOfIssuer>KOHLS CORP                              </nameOfIssuer>
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      <sshPrnamt>1689</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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      <sshPrnamt>1689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <None>1689</None>
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  <infoTable>
    <nameOfIssuer>KOHLS CORP                              </nameOfIssuer>
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    <cusip>500255104</cusip>
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      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>32</None>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>10836</Sole>
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      <None>1500</None>
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  <infoTable>
    <nameOfIssuer>KOHLS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500255104</cusip>
    <value>5707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>549</Sole>
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      <None>124</None>
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  <infoTable>
    <nameOfIssuer>KOHLS CORP                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>500255104</cusip>
    <value>37626</value>
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      <sshPrnamt>4437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>4378</Sole>
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      <None>59</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1120</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>721</Sole>
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      <None>399</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>72923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3041</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3292</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>6019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>251</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>97623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3539</Sole>
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      <None>532</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>15</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V                 </nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW    </titleOfClass>
    <cusip>500472303</cusip>
    <value>59518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KRYSTAL BIOTECH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501147102</cusip>
    <value>962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KRYSTAL BIOTECH INC                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501147102</cusip>
    <value>13334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>388</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
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    <value>12756</value>
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      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
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      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>101208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>28071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>669</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
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    <value>1930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>167378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3548</Sole>
      <Shared>0</Shared>
      <None>441</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
    <value>12798</value>
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      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC                       </nameOfIssuer>
    <titleOfClass>COMMON STOCK        </titleOfClass>
    <cusip>50155Q100</cusip>
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      <sshPrnamt>4217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>9290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>98743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>17765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>73000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1982</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>73354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1899</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>322690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7262</Sole>
      <Shared>0</Shared>
      <None>1457</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>217656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5749</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>520435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13989</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LKQ CORP                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>501889208</cusip>
    <value>257960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>1824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>2553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>84000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>84533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>917</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>139977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1498</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>185298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2032</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LCI INDS                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50189K103</cusip>
    <value>418197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4586</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>100867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>10874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>29</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>299976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>69369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>50212V100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1336</Sole>
      <Shared>0</Shared>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <None>181</None>
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    <cusip>559663109</cusip>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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    <cusip>562750109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>20</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>21</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>2186</Sole>
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      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>MANHATTAN ASSOCIATES INC                </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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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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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>157</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>123</Sole>
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  <infoTable>
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      <sshPrnamt>969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>MARA HOLDINGS INC                       </nameOfIssuer>
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      <sshPrnamt>217</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MARA HOLDINGS INC                       </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MARA HOLDINGS INC                       </nameOfIssuer>
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      <sshPrnamt>8002</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>223</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>1989</sshPrnamt>
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      <Sole>1989</Sole>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2006</Sole>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
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      <sshPrnamt>842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>837</Sole>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
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      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <Sole>3250</Sole>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP                      </nameOfIssuer>
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      <sshPrnamt>759</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>759</Sole>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>3049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2989</Sole>
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      <None>60</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MASIMO CORP                             </nameOfIssuer>
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      <sshPrnamt>707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>707</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MASIMO CORP                             </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MASIMO CORP                             </nameOfIssuer>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>65</sshPrnamt>
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  <infoTable>
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  <infoTable>
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      <None>0</None>
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      <None>0</None>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>MASTEC INC                              </nameOfIssuer>
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    <nameOfIssuer>MASTEC INC                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MASTEC INC                              </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MASTEC INC                              </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>63</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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      <sshPrnamt>90</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>21955</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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      <sshPrnamt>22269</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>111760</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED                 </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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    <titleOfClass>COM SHS BEN</titleOfClass>
    <cusip>637870106</cusip>
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    <titleOfClass>COM SHS BEN</titleOfClass>
    <cusip>637870106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>259</sshPrnamt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
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    <nameOfIssuer>NEWMONT CORP                            </nameOfIssuer>
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    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>67074C103</cusip>
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  <infoTable>
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      <None>0</None>
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    <nameOfIssuer>CHORD ENERGY CORPORATION                </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHORD ENERGY CORPORATION                </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHORD ENERGY CORPORATION                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>674215207</cusip>
    <value>252197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHORD ENERGY CORPORATION                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>674215207</cusip>
    <value>10266</value>
    <shrsOrPrnAmt>
      <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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHORD ENERGY CORPORATION                </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>674215207</cusip>
    <value>42614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>440</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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    <cusip>674599105</cusip>
    <value>69947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>178</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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    <cusip>674599105</cusip>
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      <sshPrnamt>1440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1428</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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    <cusip>674599105</cusip>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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    <cusip>674599105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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    <cusip>674599105</cusip>
    <value>61839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
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    <cusip>674599105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>95</None>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
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      <sshPrnamt>12105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>10452</Sole>
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      <None>1653</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>31508</value>
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      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>603</Sole>
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      <None>147</None>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>674599105</cusip>
    <value>761389</value>
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      <sshPrnamt>18124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2644</Sole>
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      <None>15480</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>679295105</cusip>
    <value>10597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
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      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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    <value>29791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>295</Sole>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>1600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>340</sshPrnamt>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
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      <sshPrnamt>138</sshPrnamt>
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      <Sole>138</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>88</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>7</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>2268</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2070</Sole>
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      <None>198</None>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>229</sshPrnamt>
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      <Sole>187</Sole>
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  <infoTable>
    <nameOfIssuer>OKTA INC                                </nameOfIssuer>
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      <sshPrnamt>278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>278</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>491120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3026</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2986</Sole>
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      <None>40</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>38952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>39000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>316485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1950</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1950</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>77092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</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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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>540000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3327</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>3327</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>539972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3327</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3194</Sole>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>1136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>7</None>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>908718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4050</Sole>
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      <None>1549</None>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>26780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>99</Sole>
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  <infoTable>
    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>679580100</cusip>
    <value>215859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>1330</Sole>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72352L106</cusip>
    <value>209530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>5843</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72352L106</cusip>
    <value>54113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1509</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72352L106</cusip>
    <value>8000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72352L106</cusip>
    <value>4734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72352L106</cusip>
    <value>259160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6829</Sole>
      <Shared>0</Shared>
      <None>398</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72352L106</cusip>
    <value>21086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>436</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72352L106</cusip>
    <value>88216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2441</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724078100</cusip>
    <value>168710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>602</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724078100</cusip>
    <value>2224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724078100</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724078100</cusip>
    <value>2224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724078100</cusip>
    <value>66984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>194</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724078100</cusip>
    <value>3057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIPER SANDLER COMPANIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>724078100</cusip>
    <value>6948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>12759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>13631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>14000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>95746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>16358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>271425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2473</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>18429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLANET FITNESS INC   </nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>72703H101</cusip>
    <value>46892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>1057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>9959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>10000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>28455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>3862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>4000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>4390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>134186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>203</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>POLARIS INC                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>731068102</cusip>
    <value>35325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>25942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>63251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>104933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>73278L105</cusip>
    <value>21861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
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    <nameOfIssuer>POOL CORP                               </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <sshPrnamt>24</sshPrnamt>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>PORTLAND GEN ELEC CO                    </nameOfIssuer>
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  <infoTable>
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      <None>0</None>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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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>72</Sole>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <Sole>166</Sole>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
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    <nameOfIssuer>PURE STORAGE INC                        </nameOfIssuer>
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    <cusip>746729300</cusip>
    <value>1950000</value>
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    <cusip>746729300</cusip>
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    <nameOfIssuer>Q2 HLDGS INC                            </nameOfIssuer>
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    <nameOfIssuer>Q2 HLDGS INC                            </nameOfIssuer>
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    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
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    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC                            </nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>1684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>2530394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7005</Sole>
      <Shared>0</Shared>
      <None>1296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>4575193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>4575000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>15009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>83828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>4572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,9</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>12927840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>42410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>607221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                            </nameOfIssuer>
    <titleOfClass>GOLD SHS            </titleOfClass>
    <cusip>78463V107</cusip>
    <value>2643791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8455</Sole>
      <Shared>0</Shared>
      <None>218</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK    </titleOfClass>
    <cusip>78463X509</cusip>
    <value>2117382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>49541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV      </titleOfClass>
    <cusip>78463X533</cusip>
    <value>132238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV      </titleOfClass>
    <cusip>78463X533</cusip>
    <value>1971643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>51722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV      </titleOfClass>
    <cusip>78463X533</cusip>
    <value>31373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P EM MKT DIV      </titleOfClass>
    <cusip>78463X533</cusip>
    <value>8273260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>217032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>GLB NAT RESRCE      </titleOfClass>
    <cusip>78463X541</cusip>
    <value>6470832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>119300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>GLB NAT RESRCE      </titleOfClass>
    <cusip>78463X541</cusip>
    <value>115585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>1077000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>1077413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>24409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF    </titleOfClass>
    <cusip>78463X749</cusip>
    <value>1042322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>313456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>32332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>32000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>1374247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>50155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>87735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3202</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF      </titleOfClass>
    <cusip>78463X863</cusip>
    <value>486186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>17744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS                      </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD    </titleOfClass>
    <cusip>78463X889</cusip>
    <value>1220531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>30144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW    </titleOfClass>
    <cusip>78464A201</cusip>
    <value>2136656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>24075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL    </titleOfClass>
    <cusip>78464A300</cusip>
    <value>878237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11011</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF    </titleOfClass>
    <cusip>78464A359</cusip>
    <value>132256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF    </titleOfClass>
    <cusip>78464A359</cusip>
    <value>123990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF    </titleOfClass>
    <cusip>78464A359</cusip>
    <value>413300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>4925817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>127783</Sole>
      <Shared>0</Shared>
      <None>18906</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>5138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>153</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>25051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD    </titleOfClass>
    <cusip>78464A375</cusip>
    <value>7723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>3788875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>2040000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>21404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>2040229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>21404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW    </titleOfClass>
    <cusip>78464A409</cusip>
    <value>7486623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>78542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
    <value>172747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT     </titleOfClass>
    <cusip>78464A474</cusip>
    <value>907753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>3679502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>70300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>384000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>383705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>7331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>5606608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>107119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL    </titleOfClass>
    <cusip>78464A508</cusip>
    <value>151786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>DJ REIT ETF         </titleOfClass>
    <cusip>78464A607</cusip>
    <value>1198267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>DJ REIT ETF         </titleOfClass>
    <cusip>78464A607</cusip>
    <value>224223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG        </titleOfClass>
    <cusip>78464A698</cusip>
    <value>379561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>6391</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>5726720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>55242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>1764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>1749831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>12892</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF       </titleOfClass>
    <cusip>78464A763</cusip>
    <value>669149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL    </titleOfClass>
    <cusip>78464A839</cusip>
    <value>245439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500    </titleOfClass>
    <cusip>78464A854</cusip>
    <value>424437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5839</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH         </titleOfClass>
    <cusip>78464A870</cusip>
    <value>25211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH         </titleOfClass>
    <cusip>78464A870</cusip>
    <value>431319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>14821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>16643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>16000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>186300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>38502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>255521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2901</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>11592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78467J100</cusip>
    <value>9605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE             </nameOfIssuer>
    <titleOfClass>UT SER 1            </titleOfClass>
    <cusip>78467X109</cusip>
    <value>7842248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE             </nameOfIssuer>
    <titleOfClass>UT SER 1            </titleOfClass>
    <cusip>78467X109</cusip>
    <value>849133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE             </nameOfIssuer>
    <titleOfClass>UT SER 1            </titleOfClass>
    <cusip>78467X109</cusip>
    <value>399229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>906</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>4630974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>4239536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7459</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>2427367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR              </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP      </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>4052598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7154</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT      </titleOfClass>
    <cusip>78468R200</cusip>
    <value>37428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT      </titleOfClass>
    <cusip>78468R200</cusip>
    <value>202923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO    </titleOfClass>
    <cusip>78468R663</cusip>
    <value>228499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO    </titleOfClass>
    <cusip>78468R663</cusip>
    <value>274548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>NUVEEN ICE SHORT    </titleOfClass>
    <cusip>78468R739</cusip>
    <value>52613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST                       </nameOfIssuer>
    <titleOfClass>NUVEEN ICE SHORT    </titleOfClass>
    <cusip>78468R739</cusip>
    <value>417986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>8887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>3018</value>
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      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>2012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>80822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
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      <None>75</None>
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  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>6540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC                    </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78473E103</cusip>
    <value>6221599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SABA CAPITAL INCOME &amp; OPRNT             </nameOfIssuer>
    <titleOfClass>SHS NEW             </titleOfClass>
    <cusip>78518H202</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>18000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>18000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>4997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>1844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
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    <cusip>78573L106</cusip>
    <value>848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46</None>
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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>135626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7355</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
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      <sshPrnamt>29731</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>78573L106</cusip>
    <value>51429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2789</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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  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC              </nameOfIssuer>
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    <cusip>78573L106</cusip>
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      <sshPrnamt>19941</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>19941</Sole>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41</Sole>
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      <None>4</None>
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  <infoTable>
    <nameOfIssuer>SABLE OFFSHORE CORP                     </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SABLE OFFSHORE CORP                     </nameOfIssuer>
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    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <None>11</None>
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  <infoTable>
    <nameOfIssuer>SABLE OFFSHORE CORP                     </nameOfIssuer>
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    <cusip>78574H104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>39129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39119</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SABLE OFFSHORE CORP                     </nameOfIssuer>
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      <sshPrnamt>18872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>66</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>78646V107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>294</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAFEHOLD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>46</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAFEHOLD INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>24309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>4022</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>4022</Sole>
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  <infoTable>
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      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>290</sshPrnamt>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAIA INC                                </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>55</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>55</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>171896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>505</Sole>
      <Shared>0</Shared>
      <None>1379</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>6445650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>69484</Sole>
      <Shared>0</Shared>
      <None>1161</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>1970966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>15806</Sole>
      <Shared>0</Shared>
      <None>5796</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>808513105</cusip>
    <value>8643165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>91729</Sole>
      <Shared>0</Shared>
      <None>3001</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US LRG CAP ETF      </titleOfClass>
    <cusip>808524201</cusip>
    <value>752092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>30773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US MID-CAP ETF      </titleOfClass>
    <cusip>808524508</cusip>
    <value>387595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13818</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ      </titleOfClass>
    <cusip>808524797</cusip>
    <value>100011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ      </titleOfClass>
    <cusip>808524797</cusip>
    <value>107722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>4065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ      </titleOfClass>
    <cusip>808524797</cusip>
    <value>3339000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>126000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR                     </nameOfIssuer>
    <titleOfClass>US REIT ETF         </titleOfClass>
    <cusip>808524847</cusip>
    <value>22141824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1046400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1046400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>8905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>3000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>32650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>10883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>186997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>2968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO                   </nameOfIssuer>
    <titleOfClass>CL A                </titleOfClass>
    <cusip>810186106</cusip>
    <value>29220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>56619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>556271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>37106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>616409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>575000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>18553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>3657028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22627</Sole>
      <Shared>0</Shared>
      <None>238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>1575729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                                 </nameOfIssuer>
    <titleOfClass>SPONSORD ADS        </titleOfClass>
    <cusip>81141R100</cusip>
    <value>3283728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20392</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEABOARD CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>811543107</cusip>
    <value>2861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>8584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEABOARD CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>811543107</cusip>
    <value>9000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEABOARD CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>811543107</cusip>
    <value>185978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEABOARD CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>811543107</cusip>
    <value>17167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEABOARD CORP DEL                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>811543107</cusip>
    <value>60085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>21</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>3258</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>43442</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>15205</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>127006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4093</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW                     </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81211K100</cusip>
    <value>132777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>4279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI MATERIALS       </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>489629</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>139179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>654945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3155</Sole>
      <Shared>0</Shared>
      <None>1704</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1304363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9677</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE      </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>145978</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>796205</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>283071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35</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>151000</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>150604</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>624765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI CONS STPLS      </titleOfClass>
    <cusip>81369Y308</cusip>
    <value>16194</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>1106374</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>162998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>SBI CONS DISCR      </titleOfClass>
    <cusip>81369Y407</cusip>
    <value>1799058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>8278</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>232543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>119921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>897</Sole>
      <Shared>0</Shared>
      <None>517</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>259000</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>259519</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>1622330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>19129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>ENERGY              </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>848015</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>776281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>798000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>15231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>797647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>15231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1161933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>22187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>FINANCIAL           </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>791154</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>348885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>349000</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>348885</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>854583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>INDL                </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>190153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1359845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4834</Sole>
      <Shared>0</Shared>
      <None>536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1254000</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>1254755</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>9095262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>35917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>TECHNOLOGY          </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>3760212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>113414</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>508000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>508137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>4682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>784563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>COMMUNICATION       </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>4884</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>715613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15279</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>208757</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>209000</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>1036908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25034</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>5467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR                   </nameOfIssuer>
    <titleOfClass>RL EST SEL SEC      </titleOfClass>
    <cusip>81369Y860</cusip>
    <value>1375434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>33207</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>591055</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>179000</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>178835</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>447088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5475</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>8166</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>98000</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>97874</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>6299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>507</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>1032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>1928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>127</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>53000</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>53676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3493</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>117873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7300</Sole>
      <Shared>0</Shared>
      <None>465</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>141326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9292</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP                   </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>228246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>15036</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816300107</cusip>
    <value>2686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816300107</cusip>
    <value>2946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>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>1733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816300107</cusip>
    <value>193230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1079</Sole>
      <Shared>0</Shared>
      <None>1151</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816300107</cusip>
    <value>12824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>143</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816300107</cusip>
    <value>34660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>7956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>74103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>966</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>816851109</cusip>
    <value>59000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                                  </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <nameOfIssuer>STAG INDL INC                           </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TANGER INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>875465106</cusip>
    <value>290021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>9484</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>11854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>43115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>485</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>27000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>213378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2430</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>48735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>37000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>426</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>37407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>1241721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13578</Sole>
      <Shared>0</Shared>
      <None>563</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>81927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>864</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>876030107</cusip>
    <value>1398023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3241</Sole>
      <Shared>0</Shared>
      <None>12680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>5889701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>57997</Sole>
      <Shared>0</Shared>
      <None>1706</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>2588773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>26234</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>419000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>4250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>17954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>45478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>1374688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>13935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>105260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>68364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>1188000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11730</Sole>
      <Shared>315</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>36106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,14</otherManager>
    <votingAuthority>
      <Sole>366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>9724226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>98259</Sole>
      <Shared>0</Shared>
      <None>314</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>391147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>3965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>2912641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>29434</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>10464299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>105071</Sole>
      <Shared>0</Shared>
      <None>1004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>3058446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>30732</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>129587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>126727</Sole>
      <Shared>0</Shared>
      <None>2860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
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      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>14</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
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    <otherManager>7,9</otherManager>
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      <Sole>33</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP                             </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612E106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Call</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>1</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>240753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1383</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
    <value>57446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>330</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>87612G101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>330</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>2200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>520</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGA RES CORP                          </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>928</Sole>
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      <None>0</None>
    </votingAuthority>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <None>4</None>
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  <infoTable>
    <nameOfIssuer>TOPBUILD CORP                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>89055F103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
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    <cusip>891092108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>413</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>265</Sole>
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      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>19000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>265</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>76334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1080</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>11662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>165</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
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    <cusip>891092108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>187867</value>
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      <sshPrnamt>2658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>2036</Sole>
      <Shared>0</Shared>
      <None>622</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>2120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORO CO                                 </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>891092108</cusip>
    <value>387680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>31216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>261</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>73</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>300998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT                 </nameOfIssuer>
    <titleOfClass>COM NEW             </titleOfClass>
    <cusip>891160509</cusip>
    <value>2758782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37560</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>37397</Sole>
      <Shared>0</Shared>
      <None>163</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>286507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4376</Sole>
      <Shared>0</Shared>
      <None>291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>503951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>7416</Sole>
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      <None>793</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>10927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>820000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>13355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>1412891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23015</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5442</Sole>
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      <None>17573</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>445384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>7255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>860258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1312</Sole>
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      <None>12701</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>3568232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>50812</Sole>
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      <None>7312</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>228125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE                        </nameOfIssuer>
    <titleOfClass>SPONSORED ADS       </titleOfClass>
    <cusip>89151E109</cusip>
    <value>7408791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120684</sshPrnamt>
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      <Sole>117942</Sole>
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      <None>2742</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>468</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>97</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>56</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
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      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>255</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>892331307</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>10679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10679</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
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      <sshPrnamt>117</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>117</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP                       </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
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      <Sole>1973</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
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      <sshPrnamt>10798</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10613</Sole>
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      <None>185</None>
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  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>880</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>590</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO                       </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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      <sshPrnamt>5450</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>5450</Sole>
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  <infoTable>
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    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
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    <nameOfIssuer>UNUM GROUP                              </nameOfIssuer>
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    <nameOfIssuer>URBAN EDGE PPTYS                        </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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      <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>119851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>8817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALMONT INDS INC                        </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>920253101</cusip>
    <value>8817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>34613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>609858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>619</Sole>
      <Shared>0</Shared>
      <None>15485</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>605000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>498</Sole>
      <Shared>0</Shared>
      <None>15485</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>56805</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>6665</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>5000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>197984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4940</Sole>
      <Shared>0</Shared>
      <None>288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>4847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALVOLINE INC                           </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92047W101</cusip>
    <value>50481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST                        </nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF     </titleOfClass>
    <cusip>92189F106</cusip>
    <value>83817</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>937080</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>338390</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>278880</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>167607</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>402791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>534000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>534393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>15037719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>73473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS              </nameOfIssuer>
    <titleOfClass>DIV APP ETF         </titleOfClass>
    <cusip>921908844</cusip>
    <value>1005134</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>16552072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>80872</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>935686</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>1598121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23131</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>1505138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>13728</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>219280</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>1030576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7855</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>953811</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>4828182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>62428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>162491</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>2491740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>32218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>INTERMED TERM       </titleOfClass>
    <cusip>921937819</cusip>
    <value>2637294</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>2580681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>33368</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>186755</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>3823246</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>3823000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>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>133396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1695</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>5166262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>65330</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>4378474</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>86758818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1178308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1178308</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>459819</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>2309037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>31360</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>1109751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>15072</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>532000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>7219</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>1249501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>16970</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>128674315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1747580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1746852</Sole>
      <Shared>0</Shared>
      <None>728</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS                   </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT      </titleOfClass>
    <cusip>921937835</cusip>
    <value>53529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,14</otherManager>
    <votingAuthority>
      <Sole>727</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>10507075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>142701</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>23625953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>320874</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>8853995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155306</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>560066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>9575</Sole>
      <Shared>0</Shared>
      <None>249</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS                </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT    </titleOfClass>
    <cusip>921943858</cusip>
    <value>49485</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>546000</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>28163</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>74518797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1307118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1305969</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>44625547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>782767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>782767</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>200660484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3519742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>3112399</Sole>
      <Shared>0</Shared>
      <None>407343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>21631147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>160648</Sole>
      <Shared>0</Shared>
      <None>1614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>735871</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>57990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>294882</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>737000</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>1066</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>8147641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>61118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS                  </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD        </titleOfClass>
    <cusip>921946406</cusip>
    <value>730006</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>8391065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>62944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS                    </nameOfIssuer>
    <titleOfClass>STRM INFPROIDX      </titleOfClass>
    <cusip>922020805</cusip>
    <value>484201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>4725377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12792</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF      </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1045656</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>15217</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>1046000</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>8399665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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    <shrsOrPrnAmt>
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  <infoTable>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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  <infoTable>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <cusip>92204A801</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <cusip>92204A801</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>8045</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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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>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>1226</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A876</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1226</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A876</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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      <sshPrnamt>10257</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>5638</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <otherManager>3</otherManager>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD                       </nameOfIssuer>
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    <cusip>92204A884</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>44727</sshPrnamt>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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    <value>23167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>61408</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>318500</sshPrnamt>
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      <Sole>318500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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    <cusip>922042676</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>74670</sshPrnamt>
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      <Sole>64390</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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    <cusip>922042676</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2982</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>GLB EX US ETF       </titleOfClass>
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    <value>1678291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36366</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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    <cusip>922042676</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6747</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>1044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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    <cusip>922042718</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4036</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
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      <Sole>4036</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
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    <cusip>922042742</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>2574</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF      </titleOfClass>
    <cusip>922042742</cusip>
    <value>14675956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>114192</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US       </titleOfClass>
    <cusip>922042775</cusip>
    <value>8644000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>128594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US       </titleOfClass>
    <cusip>922042775</cusip>
    <value>8644089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>128594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US       </titleOfClass>
    <cusip>922042775</cusip>
    <value>1554328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20069</Sole>
      <Shared>0</Shared>
      <None>3054</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F            </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US       </titleOfClass>
    <cusip>922042775</cusip>
    <value>9675580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143939</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>134439</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>11183697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225031</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>14591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>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>14146</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>24525879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>486961</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>20916931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>422906</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>71150090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1438538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1401850</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>423770</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>324182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>4183</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>2582147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43929</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>75198077</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>73908000</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>9522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>1581000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>26901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>22950592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>390449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>725463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>12342</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>5543248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>94305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>3117515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>53037</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>195679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3329</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS    </titleOfClass>
    <cusip>92206C102</cusip>
    <value>80293</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>38001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>478</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>1295000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16291</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>1295134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>16291</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>2378322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>29916</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>47700</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>940232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX      </titleOfClass>
    <cusip>92206C664</cusip>
    <value>161357</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>2374772</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>3022000</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>3022110</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>7610912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>69697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW      </titleOfClass>
    <cusip>92206C680</cusip>
    <value>162708</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>4320375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>64212</Sole>
      <Shared>0</Shared>
      <None>8023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>6160</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>111964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1872</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS    </titleOfClass>
    <cusip>92206C706</cusip>
    <value>74224</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>110050</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>2219294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>4476081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>52530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>289799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>3401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>9076000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>106510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>4599636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>53980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>988180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>11597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>201607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>1145393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13442</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL      </titleOfClass>
    <cusip>92206C714</cusip>
    <value>188570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>3405428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>2222726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX      </titleOfClass>
    <cusip>92206C730</cusip>
    <value>3996357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INT-TERM CORP       </titleOfClass>
    <cusip>92206C870</cusip>
    <value>304151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3668</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS                 </nameOfIssuer>
    <titleOfClass>INT-TERM CORP       </titleOfClass>
    <cusip>92206C870</cusip>
    <value>106967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>743276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>62492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>431970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>106553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>370</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>71</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
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    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>7719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>5392</Sole>
      <Shared>0</Shared>
      <None>2327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
    <value>49821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
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      <Sole>146</Sole>
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      <None>27</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                           </nameOfIssuer>
    <titleOfClass>CL A COM            </titleOfClass>
    <cusip>922475108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
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      <Sole>3181</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
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    <value>77548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>907</Sole>
      <Shared>0</Shared>
      <None>321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2196</Sole>
      <Shared>0</Shared>
      <None>292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>264346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
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      <Sole>4186</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>61887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
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      <Sole>980</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>423610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>595</Sole>
      <Shared>0</Shared>
      <None>6113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>165074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>307162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>474</Sole>
      <Shared>0</Shared>
      <None>4390</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>715616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6466</Sole>
      <Shared>0</Shared>
      <None>4866</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>96998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1295</Sole>
      <Shared>0</Shared>
      <None>241</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>540564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>8300</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92276F100</cusip>
    <value>2337055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>37008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>14190655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>289428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>21000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>20789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>12158361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>247978</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>380032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>7751</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS                     </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD       </titleOfClass>
    <cusip>922907746</cusip>
    <value>10727127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>189787</Sole>
      <Shared>0</Shared>
      <None>29000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>11835473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20836</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>255614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>1666032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>2933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>10222000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>17995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>3389435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>5967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>8305167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>14621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>181798569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>320051</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>4944701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS     </titleOfClass>
    <cusip>922908363</cusip>
    <value>49682176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>87464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP      </titleOfClass>
    <cusip>922908512</cusip>
    <value>166598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP      </titleOfClass>
    <cusip>922908512</cusip>
    <value>77132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP      </titleOfClass>
    <cusip>922908538</cusip>
    <value>46640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP      </titleOfClass>
    <cusip>922908538</cusip>
    <value>238034</value>
    <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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>5630017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>63216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>4487288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>50385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>13893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>5049000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>52197</Sole>
      <Shared>0</Shared>
      <None>4490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>161377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>11971000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>134415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>519665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>5835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF     </titleOfClass>
    <cusip>922908553</cusip>
    <value>7932129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>88885</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>1144870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3545</Sole>
      <Shared>0</Shared>
      <None>589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF      </titleOfClass>
    <cusip>922908595</cusip>
    <value>928580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3353</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>1987044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7175</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>887296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4550</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>1590307</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>1590000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SM CP VAL ETF       </titleOfClass>
    <cusip>922908611</cusip>
    <value>4617057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>23676</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>27106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SM CP VAL ETF       </titleOfClass>
    <cusip>922908611</cusip>
    <value>2612159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>13395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>2307198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>491661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>1757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>712000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>712447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>2546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>2527425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9032</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>195881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>MID CAP ETF         </titleOfClass>
    <cusip>922908629</cusip>
    <value>1646800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>5885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>131238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>460</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>2278691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7987</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF       </titleOfClass>
    <cusip>922908637</cusip>
    <value>40798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>143</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF      </titleOfClass>
    <cusip>922908652</cusip>
    <value>209090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF      </titleOfClass>
    <cusip>922908652</cusip>
    <value>211981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>601046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>336000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>335814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>37487584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>85510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>1583062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>3611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>GROWTH ETF          </titleOfClass>
    <cusip>922908736</cusip>
    <value>3276163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>7473</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>663835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3756</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>199716</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>998000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>4517</Sole>
      <Shared>1130</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>274124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>524211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>2966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>38044699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>215258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>2332968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>13200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>VALUE ETF           </titleOfClass>
    <cusip>922908744</cusip>
    <value>10230948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>57887</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>7412497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31279</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>10664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>461163</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>3980000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>16796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>3980316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7,9</otherManager>
    <votingAuthority>
      <Sole>16796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>39954591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>168599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>556429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>2348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>SMALL CP ETF        </titleOfClass>
    <cusip>922908751</cusip>
    <value>17564247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>70317</Sole>
      <Shared>0</Shared>
      <None>3800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>4453486</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>1112000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>1110864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>19826874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>65235</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS                      </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT       </titleOfClass>
    <cusip>922908769</cusip>
    <value>20363</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>7420755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>20805</Sole>
      <Shared>0</Shared>
      <None>3611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                            </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>92338C103</cusip>
    <value>842731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                            </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>92338C103</cusip>
    <value>77732</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>38000</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>3331</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>259744</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>61479</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>396000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                            </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>92338C103</cusip>
    <value>359988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>3526</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                            </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>92338C103</cusip>
    <value>2400086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>20255</Sole>
      <Shared>0</Shared>
      <None>3520</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                            </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>92338C103</cusip>
    <value>966091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>9460</Sole>
      <Shared>0</Shared>
      <None>110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                            </nameOfIssuer>
    <titleOfClass>COM SHS             </titleOfClass>
    <cusip>92338C103</cusip>
    <value>1464986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14495</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>364177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>21949</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>22000</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>231040</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>51984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>4000</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>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>4043</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>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>523017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>1710</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>24548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                            </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343E102</cusip>
    <value>88662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>5833012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>131975</Sole>
      <Shared>0</Shared>
      <None>2830</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>4104030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>94238</Sole>
      <Shared>0</Shared>
      <None>609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>552000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>12765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>42621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3,7</otherManager>
    <votingAuthority>
      <Sole>985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>95670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>2211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92343V104</cusip>
    <value>4011129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP                     </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>92511U102</cusip>
    <value>30214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>913</Sole>
      <Shared>0</Shared>
      <None>277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP                     </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>92511U102</cusip>
    <value>1752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>69</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP                     </nameOfIssuer>
    <titleOfClass>CL A COM STK        </titleOfClass>
    <cusip>92511U102</cusip>
    <value>19220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>1055569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2346</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>193217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>432</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>178000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>1167760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>2623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>268901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>572000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>557390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>1183</Sole>
      <Shared>0</Shared>
      <None>69</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>9794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>2989518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>6380</Sole>
      <Shared>0</Shared>
      <None>335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>240853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>499</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC              </nameOfIssuer>
    <titleOfClass>COM                 </titleOfClass>
    <cusip>92532F100</cusip>
    <value>639752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>1434</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>148442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>986</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>86035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>74000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>466128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>3630</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>112359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>17977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>23000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>22600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>2953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>1246990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>9376</Sole>
      <Shared>0</Shared>
      <None>335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>2486660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>19287</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>273513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>2125</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO                      </nameOfIssuer>
    <titleOfClass>COM CL A            </titleOfClass>
    <cusip>92537N108</cusip>
    <value>194156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>1512</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VESTA REAL ESTATE CORP                  </nameOfIssuer>
    <titleOfClass>ADS                 </titleOfClass>
    <cusip>92540K109</cusip>
    <value>2056523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>75083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>18950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>15519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1182</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>15000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>1182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>78638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>13</otherManager>
    <votingAuthority>
      <Sole>6096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>10410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>335490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>25624</Sole>
      <Shared>0</Shared>
      <None>383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>24884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>1751</Sole>
      <Shared>0</Shared>
      <None>178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL                        </nameOfIssuer>
    <titleOfClass>CLASS B COM         </titleOfClass>
    <cusip>92556H206</cusip>
    <value>83089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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    <nameOfIssuer>VISA INC                                </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>VISHAY INTERTECHNOLOGY INC              </nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>VISTRA CORP</nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>749</None>
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  <infoTable>
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    <cusip>92857W308</cusip>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>SH BEN INT          </titleOfClass>
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  <infoTable>
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      <sshPrnamt>3</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <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>15987</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>380662</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>381000</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>1802859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>39807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD    </titleOfClass>
    <cusip>97717W315</cusip>
    <value>197012</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>9512666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>208339</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US LARGECAP FUND    </titleOfClass>
    <cusip>97717W588</cusip>
    <value>379259</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>15733237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>479732</Sole>
      <Shared>0</Shared>
      <None>15647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>327700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>10318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>227910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,7</otherManager>
    <votingAuthority>
      <Sole>7176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>326000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>10254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>30775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>6757448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>212766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>968077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>30481</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US SMALLCAP DIVD    </titleOfClass>
    <cusip>97717W604</cusip>
    <value>9653897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>300221</Sole>
      <Shared>0</Shared>
      <None>3743</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>208484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>453245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>7609</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>495895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>8325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>INTL LRGCAP DV      </titleOfClass>
    <cusip>97717W794</cusip>
    <value>8294586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>137948</Sole>
      <Shared>0</Shared>
      <None>1300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT     </titleOfClass>
    <cusip>97717X669</cusip>
    <value>270313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>3228</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT     </titleOfClass>
    <cusip>97717X669</cusip>
    <value>83740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ    </titleOfClass>
    <cusip>97717X701</cusip>
    <value>227319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ    </titleOfClass>
    <cusip>97717X701</cusip>
    <value>24060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR                           </nameOfIssuer>
    <titleOfClass>EUROPE HEDGED EQ    </titleOfClass>
    <cusip>97717X701</cusip>
    <value>686287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>14262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOLFSPEED INC           </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>977852102</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOLFSPEED INC           </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>977852102</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOLFSPEED INC           </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>977852102</cusip>
    <value>558</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>WOLFSPEED INC           </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>977852102</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>14</otherManager>
    <votingAuthority>
      <Sole>395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOLFSPEED INC           </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>977852102</cusip>
    <value>11525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>28842</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOLFSPEED INC           </nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>977852102</cusip>
    <value>10900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>9</otherManager>
    <votingAuthority>
      <Sole>27332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODSIDE ENERGY GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>980228308</cusip>
    <value>5400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODSIDE ENERGY GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>980228308</cusip>
    <value>36014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>2334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODSIDE ENERGY GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>980228308</cusip>
    <value>50000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODSIDE ENERGY GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>980228308</cusip>
    <value>14149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,7</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>917</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODSIDE ENERGY GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>980228308</cusip>
    <value>184358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7</otherManager>
    <votingAuthority>
      <Sole>10565</Sole>
      <Shared>0</Shared>
      <None>1383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WOODSIDE ENERGY GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>980228308</cusip>
    <value>3904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>7,9</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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