<SEC-DOCUMENT>0000950123-18-007067.txt : 20180727
<SEC-HEADER>0000950123-18-007067.hdr.sgml : 20180727
<ACCEPTANCE-DATETIME>20180727165237
ACCESSION NUMBER:		0000950123-18-007067
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20180630
FILED AS OF DATE:		20180727
DATE AS OF CHANGE:		20180727
EFFECTIVENESS DATE:		20180727

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL GROUP INC/RI
		CENTRAL INDEX KEY:			0000759944
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				050412693
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05954
		FILM NUMBER:		18975355

	BUSINESS ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
		BUSINESS PHONE:		4014567000

	MAIL ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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        <credentials>
          <cik>0000759944</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2018</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2018</reportCalendarOrQuarter>
      <filingManager>
        <name>Citizens Financial Group Inc/RI</name>
        <address>
          <ns1:street1>1 Citizens Plaza</ns1:street1>
          <ns1:city>Providence</ns1:city>
          <ns1:stateOrCountry>RI</ns1:stateOrCountry>
          <ns1:zipCode>02903</ns1:zipCode>
        </address>
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      <otherManagersInfo>
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          <name>Citizens Bank, National Association</name>
        </otherManager>
        <otherManager>
          <form13FFileNumber>028-17245</form13FFileNumber>
          <name>Citizens Bank of Pennsylvania</name>
        </otherManager>
      </otherManagersInfo>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Edward P. Cahillane</name>
      <title>Senior Vice President</title>
      <phone>401-824-3016</phone>
      <signature>/s/ Edward P. Cahillane</signature>
      <city>Providence</city>
      <stateOrCountry>RI</stateOrCountry>
      <signatureDate>07-27-2018</signatureDate>
    </signatureBlock>
    <summaryPage>
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           <Sole>100</Sole>
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           <None>0</None>
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       <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <value>69</value>
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           <sshPrnamt>2480</sshPrnamt>
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       <otherManager>1</otherManager>
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           <Sole>2480</Sole>
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           <None>0</None>
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       <nameOfIssuer>ENVISION HEALTHCARE CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>29414D100</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>156</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>0</Sole>
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           <None>156</None>
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       <nameOfIssuer>EOG RES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>26875P101</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>71</sshPrnamt>
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           <None>0</None>
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       <nameOfIssuer>EOG RES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>26875P101</cusip>
       <value>156</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1257</sshPrnamt>
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       <nameOfIssuer>EQT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>26884L109</cusip>
       <value>13</value>
       <shrsOrPrnAmt>
           <sshPrnamt>239</sshPrnamt>
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       <nameOfIssuer>EQT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>26884L109</cusip>
       <value>580</value>
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           <Sole>10512</Sole>
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       <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <value>106</value>
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           <sshPrnamt>851</sshPrnamt>
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       <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <value>136</value>
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           <sshPrnamt>1085</sshPrnamt>
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       <nameOfIssuer>EQUINIX INC</nameOfIssuer>
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       <cusip>29444U700</cusip>
       <value>5</value>
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           <sshPrnamt>11</sshPrnamt>
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       <nameOfIssuer>EQUINOR ASA</nameOfIssuer>
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       <cusip>29446M102</cusip>
       <value>1</value>
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           <sshPrnamt>32</sshPrnamt>
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       <otherManager>2</otherManager>
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       <nameOfIssuer>EQUINOR ASA</nameOfIssuer>
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       <cusip>29446M102</cusip>
       <value>7</value>
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           <sshPrnamt>265</sshPrnamt>
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           <None>265</None>
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       <nameOfIssuer>EVERGY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>30034W106</cusip>
       <value>9</value>
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       <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>30040W108</cusip>
       <value>59</value>
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       <nameOfIssuer>EXELON CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <value>4</value>
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           <sshPrnamt>98</sshPrnamt>
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           <Sole>98</Sole>
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       <nameOfIssuer>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>30219G108</cusip>
       <value>63</value>
       <shrsOrPrnAmt>
           <sshPrnamt>810</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <nameOfIssuer>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>30219G108</cusip>
       <value>409</value>
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           <sshPrnamt>5298</sshPrnamt>
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           <Sole>5298</Sole>
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       <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>30231G102</cusip>
       <value>1597</value>
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       <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>30231G102</cusip>
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       <titleOfClass>COM</titleOfClass>
       <cusip>30231G102</cusip>
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       <nameOfIssuer>F M C CORP</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>302491303</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>81</sshPrnamt>
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       <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>30303M102</cusip>
       <value>3728</value>
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       <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>30303M102</cusip>
       <value>12575</value>
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       <nameOfIssuer>FEDEX CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>31428X106</cusip>
       <value>364</value>
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       <nameOfIssuer>FIAT CHRYSLER AUTOMOBILES N</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>N31738102</cusip>
       <value>3</value>
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       <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>31620M106</cusip>
       <value>7</value>
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           <sshPrnamt>68</sshPrnamt>
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       <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>31620M106</cusip>
       <value>42</value>
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           <sshPrnamt>400</sshPrnamt>
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       <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>316773100</cusip>
       <value>12</value>
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       <nameOfIssuer>FISERV INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>337738108</cusip>
       <value>6778</value>
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       <titleOfClass>COM</titleOfClass>
       <cusip>337738108</cusip>
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       <titleOfClass>COM</titleOfClass>
       <cusip>337738108</cusip>
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       <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
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       <value>4</value>
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       <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
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       <cusip>345370860</cusip>
       <value>3</value>
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           <sshPrnamt>305</sshPrnamt>
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       <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
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       <cusip>345370860</cusip>
       <value>73</value>
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       <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>34959J108</cusip>
       <value>15</value>
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       <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
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       <cusip>34964C106</cusip>
       <value>57</value>
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       <nameOfIssuer>FRANKLIN RES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>354613101</cusip>
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       <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
       <titleOfClass>CL B</titleOfClass>
       <cusip>35671D857</cusip>
       <value>6</value>
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           <sshPrnamt>324</sshPrnamt>
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       <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>43</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRUDENTIAL PLC</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>74435K204</cusip>
       <value>16</value>
       <shrsOrPrnAmt>
           <sshPrnamt>344</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>344</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRUDENTIAL PLC</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>74435K204</cusip>
       <value>27</value>
       <shrsOrPrnAmt>
           <sshPrnamt>596</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>596</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PTC INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>69370C100</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>70</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>74460D109</cusip>
       <value>38</value>
       <shrsOrPrnAmt>
           <sshPrnamt>169</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>169</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PVH CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>693656100</cusip>
       <value>150</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QORVO INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>74736K101</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>65</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>747525103</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>49</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>49</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QURATE RETAIL INC</nameOfIssuer>
       <titleOfClass>COM SER A</titleOfClass>
       <cusip>74915M100</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYONIER INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>754907103</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>755111507</cusip>
       <value>201</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1040</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>305</Sole>
           <Shared>0</Shared>
           <None>735</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>755111507</cusip>
       <value>201</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1042</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1042</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>REGAL BELOIT CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>758750103</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>79</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>79</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>REINSURANCE GROUP AMER INC</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>759351604</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>43</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RELX PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>759530108</cusip>
       <value>39</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1800</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RELX PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>759530108</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1440</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1440</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>767204100</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>66</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>773903109</cusip>
       <value>79</value>
       <shrsOrPrnAmt>
           <sshPrnamt>476</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>476</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROCKWELL COLLINS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>774341101</cusip>
       <value>129</value>
       <shrsOrPrnAmt>
           <sshPrnamt>955</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>955</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>778296103</cusip>
       <value>232</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2733</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2733</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
       <titleOfClass>SPONS ADR A</titleOfClass>
       <cusip>780259206</cusip>
       <value>6</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>RPM INTL INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>749685103</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>85</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78409V104</cusip>
       <value>3216</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15775</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>15775</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78409V104</cusip>
       <value>7234</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35478</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>35478</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SACHEM CAP CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78590A109</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>5000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SAP SE</nameOfIssuer>
       <titleOfClass>SPON ADR</titleOfClass>
       <cusip>803054204</cusip>
       <value>34</value>
       <shrsOrPrnAmt>
           <sshPrnamt>290</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>290</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SAP SE</nameOfIssuer>
       <titleOfClass>SPON ADR</titleOfClass>
       <cusip>803054204</cusip>
       <value>38</value>
       <shrsOrPrnAmt>
           <sshPrnamt>329</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>329</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHEIN HENRY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806407102</cusip>
       <value>692</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9523</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>9523</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHEIN HENRY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806407102</cusip>
       <value>91</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1246</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>1246</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806857108</cusip>
       <value>78</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1157</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>39</Sole>
           <Shared>0</Shared>
           <None>1118</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>806857108</cusip>
       <value>355</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5295</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5295</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>808513105</cusip>
       <value>628</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12285</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>12285</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCOTTS MIRACLE GRO CO</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>810186106</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>70</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>13385</value>
       <shrsOrPrnAmt>
           <sshPrnamt>176264</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>176264</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>TECHNOLOGY</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>157</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2264</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2264</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI MATERIALS</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>11115</value>
       <shrsOrPrnAmt>
           <sshPrnamt>191407</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>191407</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI MATERIALS</titleOfClass>
       <cusip>81369Y100</cusip>
       <value>1579</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27193</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>27193</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-FINL</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>80</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3025</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3025</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>2169</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28566</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>28566</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-ENERGY</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>85</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1125</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1125</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI HEALTHCARE</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>86</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1025</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1025</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>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>100</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>RL EST SEL SEC</titleOfClass>
       <cusip>81369Y860</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>69</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>133</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2565</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2565</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSATA TECHNOLOGIES HLDNG P</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8060N102</cusip>
       <value>20</value>
       <shrsOrPrnAmt>
           <sshPrnamt>416</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>416</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SENSATA TECHNOLOGIES HLDNG P</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>G8060N102</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>487</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>487</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>824348106</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>75</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>824348106</cusip>
       <value>811</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1989</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1989</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>82669G104</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>45</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>828806109</cusip>
       <value>28</value>
       <shrsOrPrnAmt>
           <sshPrnamt>165</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SNAP ON INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>833034101</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>43</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>835495102</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>70</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SONY CORP</nameOfIssuer>
       <titleOfClass>ADR NEW</titleOfClass>
       <cusip>835699307</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>77</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>77</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOURCE CAP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>836144105</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>122</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>842587107</cusip>
       <value>791</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17087</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>17087</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>844741108</cusip>
       <value>156</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3062</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3062</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
       <titleOfClass>GOLD SHS</titleOfClass>
       <cusip>78463V107</cusip>
       <value>119</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1002</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>ASIA PACIF ETF</titleOfClass>
       <cusip>78463X301</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</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>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>561</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>MSCI ACWI EXUS</titleOfClass>
       <cusip>78463X848</cusip>
       <value>5540</value>
       <shrsOrPrnAmt>
           <sshPrnamt>149661</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>S&amp;P INTL SMLCP</titleOfClass>
       <cusip>78463X871</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>451</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
       <titleOfClass>TR UNIT</titleOfClass>
       <cusip>78462F103</cusip>
       <value>10951</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40369</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
       <titleOfClass>TR UNIT</titleOfClass>
       <cusip>78462F103</cusip>
       <value>26141</value>
       <shrsOrPrnAmt>
           <sshPrnamt>96362</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</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>4571</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12875</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</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>32944</value>
       <shrsOrPrnAmt>
           <sshPrnamt>92794</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>BRC HGH YLD BD</titleOfClass>
       <cusip>78464A417</cusip>
       <value>244</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6882</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>DJ REIT ETF</titleOfClass>
       <cusip>78464A607</cusip>
       <value>76</value>
       <shrsOrPrnAmt>
           <sshPrnamt>804</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>NUV HGHYLD MUN</titleOfClass>
       <cusip>78464A284</cusip>
       <value>207</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3660</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>BRC HGH YLD BD</titleOfClass>
       <cusip>78464A417</cusip>
       <value>83</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2327</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE</nameOfIssuer>
       <titleOfClass>TR UNIT</titleOfClass>
       <cusip>85208R101</cusip>
       <value>63</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>854502101</cusip>
       <value>133</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>855244109</cusip>
       <value>99</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2027</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>2027</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>855244109</cusip>
       <value>496</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10146</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>10146</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERICYCLE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>858912108</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>81</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>81</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STERLING BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>85917A100</cusip>
       <value>93</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3953</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>3953</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STRYKER CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>863667101</cusip>
       <value>272</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1609</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1609</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SUBURBAN PROPANE PARTNERS L</nameOfIssuer>
       <titleOfClass>UNIT LTD PARTN</titleOfClass>
       <cusip>864482104</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>867224107</cusip>
       <value>29</value>
       <shrsOrPrnAmt>
           <sshPrnamt>712</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>712</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>867224107</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>554</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>554</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>867914103</cusip>
       <value>184</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2781</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>2781</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SUNTRUST BKS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>867914103</cusip>
       <value>210</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3176</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3176</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SVB FINL GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>78486Q101</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>24</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYMANTEC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>871503108</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>100</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>871607107</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>78</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>78</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYSCO CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>871829107</cusip>
       <value>1284</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18804</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>18804</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYSCO CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>871829107</cusip>
       <value>8239</value>
       <shrsOrPrnAmt>
           <sshPrnamt>120640</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>120640</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>874039100</cusip>
       <value>11</value>
       <shrsOrPrnAmt>
           <sshPrnamt>299</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>299</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>874039100</cusip>
       <value>14</value>
       <shrsOrPrnAmt>
           <sshPrnamt>382</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>382</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TAPESTRY INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>876030107</cusip>
       <value>16</value>
       <shrsOrPrnAmt>
           <sshPrnamt>350</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>350</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>87612G101</cusip>
       <value>17</value>
       <shrsOrPrnAmt>
           <sshPrnamt>336</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>336</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TARGET CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>87612E106</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>40</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TARGET CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>87612E106</cusip>
       <value>137</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1806</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1806</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
       <titleOfClass>REG SHS</titleOfClass>
       <cusip>H84989104</cusip>
       <value>16</value>
       <shrsOrPrnAmt>
           <sshPrnamt>175</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>175</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
       <titleOfClass>REG SHS</titleOfClass>
       <cusip>H84989104</cusip>
       <value>170</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1889</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1721</Sole>
           <Shared>0</Shared>
           <None>168</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEEKAY CORPORATION</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>Y8564W103</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>833</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>833</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEKLA HEALTHCARE INVS</nameOfIssuer>
       <titleOfClass>SH BEN INT</titleOfClass>
       <cusip>87911J103</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TELEFLEX INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>879369106</cusip>
       <value>248</value>
       <shrsOrPrnAmt>
           <sshPrnamt>925</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>925</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TELEFONICA S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>879382208</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>187</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>187</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TENNECO INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>880349105</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TESARO INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>881569107</cusip>
       <value>61</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1370</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1370</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>882508104</cusip>
       <value>9831</value>
       <shrsOrPrnAmt>
           <sshPrnamt>89171</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>89171</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>882508104</cusip>
       <value>3281</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29760</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>29760</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>883556102</cusip>
       <value>7348</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35476</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>35476</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>883556102</cusip>
       <value>2700</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13037</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>12690</Sole>
           <Shared>0</Shared>
           <None>347</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>883556102</cusip>
       <value>83</value>
       <shrsOrPrnAmt>
           <sshPrnamt>400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>400</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>THOMSON REUTERS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>884903105</cusip>
       <value>3</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>69</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>872540109</cusip>
       <value>40</value>
       <shrsOrPrnAmt>
           <sshPrnamt>417</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>417</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>872540109</cusip>
       <value>95</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>872540109</cusip>
       <value>1527</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16042</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>16042</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOMPKINS FINANCIAL CORPORATI</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>890110109</cusip>
       <value>77</value>
       <shrsOrPrnAmt>
           <sshPrnamt>900</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>900</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>89151E109</cusip>
       <value>24</value>
       <shrsOrPrnAmt>
           <sshPrnamt>393</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>393</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR</titleOfClass>
       <cusip>89151E109</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>408</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>408</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL SYS SVCS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>891906109</cusip>
       <value>402</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4754</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4754</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOWER SEMICONDUCTOR LTD</nameOfIssuer>
       <titleOfClass>SHS NEW</titleOfClass>
       <cusip>M87915274</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>331</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>331</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOWER SEMICONDUCTOR LTD</nameOfIssuer>
       <titleOfClass>SHS NEW</titleOfClass>
       <cusip>M87915274</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>298</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>298</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
       <titleOfClass>SP ADR REP2COM</titleOfClass>
       <cusip>892331307</cusip>
       <value>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>169</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>169</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
       <titleOfClass>SP ADR REP2COM</titleOfClass>
       <cusip>892331307</cusip>
       <value>47</value>
       <shrsOrPrnAmt>
           <sshPrnamt>361</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>200</Sole>
           <Shared>0</Shared>
           <None>161</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>892356106</cusip>
       <value>23</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>892356106</cusip>
       <value>215</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2806</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2806</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
       <titleOfClass>REG SHS</titleOfClass>
       <cusip>H8817H100</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>13</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89417E109</cusip>
       <value>186</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1518</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1518</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TREEHOUSE FOODS INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>89469A104</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>124</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>124</None>
       </votingAuthority>
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       <nameOfIssuer>TWENTY FIRST CENTY FOX INC</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
       <cusip>90130A101</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>9</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H42097107</cusip>
       <value>19</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1216</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1216</None>
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   <infoTable>
       <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
       <titleOfClass>SHS</titleOfClass>
       <cusip>H42097107</cusip>
       <value>25</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1617</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1617</None>
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       <nameOfIssuer>UNILEVER N V</nameOfIssuer>
       <titleOfClass>N Y SHS NEW</titleOfClass>
       <cusip>904784709</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>464</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>464</None>
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   <infoTable>
       <nameOfIssuer>UNILEVER N V</nameOfIssuer>
       <titleOfClass>N Y SHS NEW</titleOfClass>
       <cusip>904784709</cusip>
       <value>29</value>
       <shrsOrPrnAmt>
           <sshPrnamt>519</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>519</None>
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   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>907818108</cusip>
       <value>71</value>
       <shrsOrPrnAmt>
           <sshPrnamt>500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>500</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>907818108</cusip>
       <value>2128</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15023</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>15023</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913017109</cusip>
       <value>242</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1935</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>275</Sole>
           <Shared>0</Shared>
           <None>1660</None>
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   <infoTable>
       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>913017109</cusip>
       <value>2332</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18655</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>18655</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91324P102</cusip>
       <value>3723</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15176</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>15176</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91324P102</cusip>
       <value>11879</value>
       <shrsOrPrnAmt>
           <sshPrnamt>48419</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>48419</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UNITI GROUP INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91325V108</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>6</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91529Y106</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>100</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91529Y106</cusip>
       <value>119</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>3219</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>902973304</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>117</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>117</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW</titleOfClass>
       <cusip>902973304</cusip>
       <value>852</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17033</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>17033</Sole>
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           <None>0</None>
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       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>7636</value>
       <shrsOrPrnAmt>
           <sshPrnamt>68902</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>68902</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>91913Y100</cusip>
       <value>1300</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11728</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>11728</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>92047W101</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>266</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>266</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>LONG TERM BOND</titleOfClass>
       <cusip>921937793</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>10</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>SHORT TRM BOND</titleOfClass>
       <cusip>921937827</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>54</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
       <titleOfClass>INTERMED TERM</titleOfClass>
       <cusip>921937819</cusip>
       <value>5</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
       <titleOfClass>INTL BD IDX ETF</titleOfClass>
       <cusip>92203J407</cusip>
       <value>2</value>
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           <sshPrnamt>41</sshPrnamt>
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       <otherManager>2</otherManager>
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           <Sole>41</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>EXTEND MKT ETF</titleOfClass>
       <cusip>922908652</cusip>
       <value>2</value>
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           <sshPrnamt>17</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>17</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
       <cusip>922908363</cusip>
       <value>8737</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35017</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
       <cusip>922908363</cusip>
       <value>13281</value>
       <shrsOrPrnAmt>
           <sshPrnamt>53230</sshPrnamt>
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       <otherManager>1</otherManager>
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       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SM CP VAL ETF</titleOfClass>
       <cusip>922908611</cusip>
       <value>1</value>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>SML CP GRW ETF</titleOfClass>
       <cusip>922908595</cusip>
       <value>30</value>
       <shrsOrPrnAmt>
           <sshPrnamt>172</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
       <titleOfClass>TOTAL STK MKT</titleOfClass>
       <cusip>922908769</cusip>
       <value>184</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1308</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>ALLWRLD EX US</titleOfClass>
       <cusip>922042775</cusip>
       <value>4483</value>
       <shrsOrPrnAmt>
           <sshPrnamt>86472</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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   </infoTable>
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       <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
       <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
       <cusip>922042858</cusip>
       <value>142</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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